WFC Lending
Rental / DSCR Loans
Qualify on the property's cash flow, not your personal income.
30-year and interest-only options for stabilized rental properties, qualified on debt-service coverage rather than personal income.
How rental / DSCR financing works
Apply
Share the property's numbers — purchase price or value, and the rent roll or market rent. We qualify the deal on the property's cash flow.
Underwrite on DSCR
We qualify the loan on the property's debt-service coverage rather than a deep dive into your personal income.
Close & Fund
Once underwriting clears, we close and fund — typically in ~14 days — with a 30-year term or 3/5/7/10-year interest-only options.
Program highlights
- 1st lien position only
- Interest-only payments
- Asset-based "common-sense" underwriting
- $75K – $5M loan size
- 30-year (or 3/5/7/10-year interest-only) terms
- Closings in ~14 days
Eligible property types
Rental / DSCR loan FAQs
How fast can you close?
Rental/DSCR loans typically close in ~14 days once underwriting clears.
What loan amounts do you offer?
Rental/DSCR loan sizes range from $75K – $5M.
What states do you lend in?
We lend nationwide in 44 states. We currently do not lend in Arizona, Oregon, North Dakota, South Dakota, Vermont, or Nevada.
Do you have a minimum credit score?
Yes — Rental/DSCR requires a minimum 650 FICO.
What fees should I expect?
Fees vary by residential vs. commercial collateral — see the Typical fees table below for exact origination, appraisal, underwriting, processing, and legal figures. Exact fees are confirmed in your term sheet.
How do I apply?
Start with our quick application, which hands off to our secure lender portal. You can also call us at our main line during business hours — we generally respond in 1–3 hours.
Typical fees
Fees shown where stated. Rates, fees, terms, and timelines are subject to change without notice.