For too long, real estate investors have settled for traditional rental property financing: slow approvals, higher rates, and rigid repayment terms designed for homeowners, not investors.
Private lending is built differently. It’s faster, more flexible, and designed to support how real estate investors actually operate, scaling portfolios, moving quickly, and adapting to changing market conditions.
At Dominion Financial, we offer investor-focused loan programs that help you move past the limitations of traditional lending, with financing that works the way you do.
The Problem With Traditional Financing
Traditional lenders build in barriers that hold real estate investors back, especially when you’re trying to grow a rental portfolio. These lenders often require detailed income verification, but they don’t factor in income from your rental properties. So, while you wait for them to review pay stubs and tax returns that don’t reflect your true earning power, deals slip through the cracks.
They also cap how many properties you can finance (typically around 10) which makes it harder to scale. Even worse, they drag their feet with slow approvals and appraisal requirements. In a market where speed matters, that kind of red tape can cost you real opportunities.
Simply put, banks design these loans for homeowners, NOT investors. If you rely on rental income, work for yourself, or plan to grow fast, conventional programs won’t serve you. That’s where private lending and tools like DSCR loans come in.
What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan flips the script on traditional financing. Instead of analyzing your personal income, the lender focuses on your property’s income.
To qualify, you just need to show that the property earns enough to cover its monthly debt. Here’s how lenders calculate it:
Gross Monthly Rental Income / Monthly Debt Obligation = DSCR
Some lenders tweak the formula depending on the property type, but the core principle stays the same: your property’s cash flow drives the loan decision, not your tax returns.
Why DSCR Loans Work Better for Investors
The most significant advantage of a DSCR loan over a traditional loan is that approval is based on a property’s ability to generate positive cash flow. The departure from conventional loans, which rely heavily on a borrower’s W-2s, tax returns, and personal debt-to-income ratio, makes the loan more approachable and achievable for the average real estate investor.
Many investors have a hard time producing personal income documentation, which is often more complex, exacerbated by self-employment status or fluctuating incomes. Because the DSCR loan places less emphasis on personal finances, the application and approval process is more streamlined, allowing investors to acquire more properties at a faster rate.
The Ideal Borrower
If you manage multiple rentals, run your own business, or freelance full-time, DSCR loans were built for you. They’re ideal for:
- Portfolio investors who want scalable solutions
- Self-employed professionals who can’t rely on W-2s
- Entrepreneurs and business owners with complex finances
- Anyone eager to grow their rental holdings quickly
Want a deeper dive into how DSCR loans work? Check out our guide.
Why Dominion’s DSCR Loan Stands Out
Dominion Financial has 20+ years of experience in the industry as investors and a leading lender. That experience shaped our DSCR loan program, which delivers benefits investors care about:
- DSCR Price- Beat Guarantee
- 30-year fixed rates
- Up to 80% LTV
- Fast closings
If you’re looking to secure your next long-term investment property, don’t wait- get started today.
