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Flexible Long-Term and DSCR Financing

Built for buy-and-hold strategies, rental portfolios, and long-term growth.

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DSCR Terms

Flexible DSCR Terms

We offer both fixed-rate and adjustable-rate (ARM) options with terms up to 30 years on DSCR loans, giving you the stability and flexibility to match your investment strategy.

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Loans Tailored for New Builds

Whether you're picking up your first rental or adding to your single-family portfolio, our DSCR loans make it easy — approvals based on rental income, not your W-2s or tax returns.

 

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Interest Rate

Your interest rate is customized based on your credit score, DSCR ratio, and investment experience, allowing us to offer you the most favorable terms possible.

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Credit Score

A minimum credit score of 680 is required to qualify, ensuring reliable financing options for well-qualified investors.

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Fees

Our loan origination fees range from 1.5% to 2%, offering competitive pricing to efficiently set up your investment financing.

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Portfolio Options Available

We offer portfolio loan options that allow investors to finance multiple properties under one loan, simplifying management and supporting scalable growth.

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Where Royalty Meets Reliability

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The Smarter Way to Scale Your Rental Portfolio

Our DSCR (Debt Service Coverage Ratio) loans are designed with investors in mind — not traditional underwriting red tape. We look at property cash flow, not personal income, so you can qualify faster and grow quicker.

Enjoy competitive rates, higher leverage, and streamlined approvals, whether you're adding single-family rentals or expanding into multi-family properties. With us, your real estate investment goals stay on track and stress-free.

  • No personal income verification required
  • Loan amounts up to $5 million
  • Up to 80% LTV (Loan-to-Value)
  • Flexible 30-year fixed Terms
  • Close in as little as 20-30 days
  • Available nationwide
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Frequently Asked Questions

What is a DSCR loan?

A loan based on the property's rental income instead of your personal income.

What does DSCR mean?

Debt Service Coverage Ratio — it measures if the property’s net income covers loan payments. A DSCR above 1.0 means positive cash flow.

Who should consider this?

Investors buying or refinancing income-producing rentals (long-term or short-term) without using personal income verification.

Do I need tax returns or job verification?

No — approval is based on rental cash flow.

What properties qualify?

Single-family, multifamily, short-term rentals, and some mixed-use.

How is the loan amount determined?

 Based on appraised value and rental income to ensure debt coverage. 

Minimum DSCR required?

Typically 1.0 or higher.

What credit score is needed?

Around 660 or higher. Better scores may get improved rates.

Typical terms?

Up to 30 years, with fixed or adjustable rates.

How to get started?

Reach out to evaluate your property's cash flow and get tailored financing options.

Customer Testimonials

  • Working with Rob Trigg on my DSCR loan was an absolute game changer. As a full-time real estate investor, I needed a lender who truly understood my goals — and Rob delivered above and beyond. He made the entire process seamless, from initial consultation to closing, and always kept me informed along the way.

    Thanks to Rob, I was able to secure funding quickly and add two new rental properties to my portfolio without the usual stress and headaches. His expertise and dedication gave me complete confidence every step of the way.

    I highly recommend Rob and his team to any investor looking to scale their rental business the smart way

    Michael R., First-Time Homebuyer

  • Rob Trigg made the DSCR loan process so straightforward and stress-free. I’ve worked with other lenders before, but none have been as knowledgeable and responsive as Rob.

    He understood exactly what I needed to expand my single-family rental business, and I closed on my new property faster than I ever imagined. I’m already planning my next deal with him.

    Jessica L., First-Time Homebuyer

  • I can’t thank Rob Trigg enough for his help with my DSCR loan. As a self-employed investor, I struggled to find financing that actually worked for me — until I found Rob.

    His team focused on the property’s cash flow instead of my personal income, which allowed me to close on my newest duplex without the usual headaches. Rob’s professionalism and personal touch made all the difference.

    David C., First-Time Homebuyer

  • Rob Trigg is hands down the best lending partner I’ve ever worked with. The DSCR loan process was quick, efficient, and tailored exactly to my needs as a rental property investor.

    I was able to close on a beautiful 3-unit rental in under three weeks, and the terms were even better than I expected. Rob’s guidance gave me total confidence every step of the way. Highly recommend.

    Samantha J., First-Time Homebuyer

A Clear, Step-by-Step Path to Building New

How It Works

Qualify Based on Property Cash Flow (DSCR > 1.0) 

Instead of relying on your personal income, these loans focus on the property's ability to generate enough rental income to cover its debt obligations. A DSCR greater than 1.0 means your property is producing more than enough cash flow to support the loan — making qualification simpler and more investor-friendly.

No Tax Returns or Employment Verification Required

Qualify based on your property’s cash flow, not your personal income. With no tax returns or employment verification needed, you can secure financing faster and focus on growing your portfolio without extra paperwork.

Designed for Long-Term & Short-Term Rentals

Whether you’re building a portfolio of long-term rentals or maximizing income with short-term stays, our loans are tailored to support your strategy. Enjoy flexible terms and financing that adapts to your investment goals.

Loans Based on Rent Coverage ---Not DTI Benefits

These loans focus on your property’s rental income rather than your personal debt-to-income (DTI) ratio. By qualifying based on rent coverage, you can scale your portfolio more easily and avoid limitations tied to your personal finances.

30-Year Fixed and ARM Options

Choose the stability of a 30-year fixed rate or the flexibility of an adjustable-rate mortgage (ARM). We offer options to fit your investment goals and cash flow strategy, so you can build your portfolio with confidence.

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Grow Your Rental Portfolio with a Hassle-Free DSCR Loan

Whether you're scaling your rental portfolio or closing on your first cash-flowing property, our DSCR loans make it simple. With fast approvals, flexible terms, and a team dedicated to investor success, you'll have the funding you need — without the headaches of traditional financing.

Let us help you focus on what matters most: building wealth through real estate.

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About King James

At King James Lending, we genuinely want to be an essential part of your team. We look forward to being an invaluable asset and a trustworthy partner for all your lending needs. See why we are the hard money lenders Houston investors trust.

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