At Crestmark Lending, DSCR financing is our sole focus. We deliver investor-specific loan solutions with flexible credit parameters, streamlined underwriting, and predictable approvals for purchases and refinances—helping you move quickly and scale strategically.
As a specialized brokerage platform, we provide access to 20+ institutional DSCR capital sources—allowing us to structure sharp pricing and flexible terms across a wide range of property types, loan sizes, investor profiles, and market conditions.
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Built exclusively for real estate investors, Crestmark Lending is a DSCR-focused mortgage broker delivering faster approvals, simplified underwriting, and access to dozens of national DSCR lenders.
We understand investment property financing and provide the pricing, flexibility, and speed investors need to scale their portfolios with confidence.
Ideal for long-term rental properties (1–4 units & small multi-family buildings)
Refinance your property to lower payments or unlock equity
Flexible programs for multi-family properties- low rates, LTVs, and terms
LLC-owned investment properties, qualified by rental cash flow
DSCR financing for upgrading, improving, or rehabbing rental properties
Build-to-rent financing with long-term DSCR takeout options
High-balance financing for larger rental properties and experienced investors
Whether you’re building your first rental or expanding a large portfolio, we provide fast, investor-friendly DSCR financing with minimal documentation.
Crestmark Lending is home to experienced DSCR loan specialists delivering fast approvals, flexible structures, and investor-focused financing built specifically for rental property performance.
Production Manager
NMLS #2004549
Sr. Loan Officer
NMLS# 313548
Sr. Loan Officer
NMLS# 2692859
Branch Manager
NMLS #2014728
Sr. Loan Officer
NMLS #277507
Crestmark Lending partners with 20+ institutional DSCR lenders to deliver competitive pricing, flexible credit structures, and loan solutions tailored to real estate investors. Rather than relying on a single lender’s guidelines, we leverage multiple capital sources to secure the right structure for your property and investment strategy.
From first-time investors to experienced portfolio operators, we provide the speed, certainty, and market access needed to close confidently and scale efficiently nationwide.
Fast DSCR approvals with streamlined, investor-focused underwriting.
Access sharp DSCR pricing from 20+ lenders.
Flexible DSCR approvals for STRs, LLCs, and portfolio investors.
A DSCR loan is an investor-focused mortgage where approval is based on the property’s rental income—not personal income or tax returns. Lenders compare the rental income to the monthly payment (PITIA) to determine the Debt Service Coverage Ratio. If the rental income covers the payment, the property qualifies.
Most DSCR lenders require a minimum credit score of 660 and a DSCR ratio of 1.00 or higher, meaning the rental income covers the payment. Some lenders allow lower DSCR ratios (even below 1.0) with stronger credit, higher reserves, or additional pricing adjustments.
Yes. DSCR loans are specifically designed for real estate investors and can be closed in an LLC, corporation, or other entity structure. This allows investors to separate liability, keep clean bookkeeping, and manage multiple rental properties under one entity.
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