© 2025 Hera Lending. All rights reserved.
Member of
NMLS ID 2678531 | Equal Housing Opportunity
Fast, Flexible Income-Based Financing That Scales With Your Portfolio
Finance your rental property investments based on the property’s cash flow, not your personal income. Our DSCR loans offer a streamlined path to building your real estate portfolio.
DSCR loans eliminate the need for traditional income documentation, focusing on your property’s cash flow potential instead of personal income verification.
Fast approvals without the lengthy income verification process that traditional lenders require.
Streamlined application process focused on property performance rather than complex personal financials.
Fast approvals without the lengthy income verification process that traditional lenders require.
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Discover why real estate investors choose DSCR loans for their rental property portfolios
• No tax returns, W-2s, or pay stubs
• No employment verification
• No debt-to-income calculations
• 10 – 12 day approval
• Streamlined underwriting process
• Close in as little as 10-21 business days
• Single-family rentals
• Duplexes, triplexes, fourplexes
• Short-term rentals (Airbnb/VRBO)
• Investment condos
• Multi-family (2-4 units)
Build your real estate portfolio without the limitations of conventional financing programs.
Work directly with experienced lending specialists who understand investment property financing.
• Loan amounts: $100,000 – $3,000,000+
• Down payment: As low as 20%
• Credit score minimum: 680
• No prepayment penalties
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Skip traditional bank paperwork. DSCR loans qualify based on your property’s cash flow ability, not your personal income documentation.
Scaling multiple properties
Airbnb, VRBO properties
Strong assets but low reported income
With fluctuating income
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Get personalized advice on financing your rental property investments
As a direct private lender specializing in residential real estate, we offer unmatched speed, transparency, and expertise.
Experienced investors looking to expand their rental property portfolios quickly and efficiently.
Freelancers and business owners who have strong cash flow but complex income documentation.
Wealthy investors with low reported income who want to leverage real estate for wealth building.
Airbnb and vacation rental property owners looking to finance additional investment properties.
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Hera Lending provides DSCR loans across key markets in the Southeast and Southwest United States
We also serve other states in the Southeast and Southwest U.S. Contact us to confirm availability in your area.
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Our qualification criteria are designed to be flexible while ensuring responsible lending
Flexible based on reserves and credit score. We consider the overall strength of your application.
Lower scores may be considered with compensating factors such as higher down payment or reserves.
Minimum 20% down payment required. Higher down payments may qualify for better rates and terms.
Loan amounts from $100,000 to $3 million to accommodate various property types and markets.
Single-family homes, duplexes, triplexes, and small multi-family residential rental properties.
We accept Airbnb and vacation rentals with 12 months history or market rent analysis.
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Get funded in 5 simple steps with our streamlined process
Speak with a DSCR specialist to discuss your investment goals and property details. (15 minutes)
Provide property address, rent roll, or lease agreement. That's it. (Same day)
We calculate your ratio and provide pre-approval terms. (24-48 business hours)
Property appraisal ordered while we finalize your loan package. (5-7 business days)
Sign docs, get keys, start building wealth. (10-21 business days total)
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Explore our full range of private lending solutions for real estate investors
Financing for new construction projects from foundation to completion.
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Expand your knowledge with our comprehensive guides and educational resources
Complete introduction to DSCR loans, how they work, and why they’re perfect for real estate…
Learn how to calculate your DSCR ratio and estimate your loan approval chances before applying…
Current market rates for DSCR loans and factors that influence your interest rate and terms.
Balanced analysis of the advantages and potential drawbacks of DSCR financing for…
Get answers to the most common questions about DSCR loans and our lending process
DSCR loans typically have rates 0.5-1.5% higher than traditional bank loans. However, they offer significant advantages: fast approval, qualification flexibility, and no income verification. For investors who need to act quickly or don’t qualify for traditional bank financing, these advantages justify the rate difference.
Yes, we allow the use of projected rents for new properties through a market rent analysis performed by a certified appraiser. This is especially useful for properties you plan to renovate or that are currently vacant.
Yes, we finance short-term rental properties. If you have 12 months of income history from the property, we use that data. For new properties in this model, we require a market rent analysis that demonstrates income potential.
While we prefer a DSCR of 1.1 or higher, we do consider loans with DSCR below 1.0 when there are strong compensating factors such as: extensive real estate investment experience, substantial cash reserves, or a solid property improvement plan. Each case is evaluated individually.
There’s no limit on the number of properties you can finance. We’ve worked with investors who have portfolios of 20+ properties. Your financing capacity depends on your experience, cash reserves, and the performance of your existing portfolio.
Absolutely. DSCR loans are completely legal and widely used in the United States. At Hera Lending, we follow all federal and state regulations, and our loans are backed by over 5 years of experience and $1.5 billion in successfully originated loans.
At Hera Lending, we approve DSCR loans in just 10 – 12 days, significantly faster than traditional banks that can take 30-60 days. Our streamlined process combines advanced technology with personalized service to accelerate approvals without compromising quality.
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Don’t let traditional lending limitations hold back your real estate investment goals. Our DSCR loans provide the speed, flexibility, and capital you need to build a profitable rental property portfolio.
Hera Lending is a leading private lender specializing in fast, flexible financing solutions for real estate investors and property owners.
© 2025 Hera Lending. All rights reserved.
Member of
NMLS ID 2678531 | Equal Housing Opportunity
