Long Term Financing For Stability & Scale; Powered by Upright Lending
Real estate investors rely on dependable long term financing to grow portfolios with confidence. Upright Lending’s DSCR Loans are purpose built for income producing residential properties and offer investors a fast, simple, and transparent path to long term investment.
Our platform combines always on technology with deep credit expertise and a dedicated team who understands your investment strategy. Upright Lending delivers stability, certainty, and a lending partner offering competitive terms aligned with your long term success.
Clarity. Speed. Scalability.
Rental Loan Customers Include:
Long term rental investors
BRRRR investors seeking stabilized takeout
Portfolio landlords scaling across markets
Short term rental operators (where eligible)
Small multifamily owners seeking dependable financing
Developers completing new construction who decide to retain the property as a rental.
Landlords refinancing existing debt to reduce their payment and/or interest rate.
If rental income drives your investment model, Upright Lending is designed to support your growth.
Program Highlights
1. Property Based Underwriting
Qualification is centered on property income and DSCR using market rent or in place rent.
2. Simple Documentation
DSCR Loans require no personal income documentation. We rely on property performance, valuation, rental data, reserves, and credit history.
3. Flexible Terms and Structures
Upright Lending offers 30-year fixed, 30-year fixed interest only, 5/6 ARM, and 7/6 ARM options.
4. Acquisition or Refinance
Purchase, rate and term, cash out refinance, and delayed financing options are all supported, subject to seasoning and cost basis rules.
5. Dedicated Team Support
Every investor works with a dedicated Upright Lending team who understands their full portfolio, strategy, and goals. No call centers. No generic support queues. Real people who know your business.
6. Aligned Incentives
Because our organization is structured around long term performance, Upright Lending is driven to help you build stable, cash flowing assets that perform.
terms & conditions
DSCR Loan Terms
$75,000 to $3,000,000 for single-asset loans; up to $5,000,000 when cross-collateralized.
- Single family residences
- Two to four unit residential properties
- Condos
- Townhomes
- Small multifamily properties up to ten units
Our lending matrix determines maximum LTV and eligibility based on credit score, loan size, and DSCR.
- Up to 80% LTV for top tier credit scores
- Up to 75% LTV for larger loans
- DSCR permitted as low as 0.75x. Below 1.0x requires reduced leverage
- Cross collateralized loans require a debt-service coverage ratio of 1.15x or greater
- Minimum DSCR: 0.75x for long-term rental properties
- Minimum DSCR: 1.0x for short-term rental properties
- Minimum DSCR: 1.15x for small multifamily (five to ten unit) properties
- Three months for most loans
- Six months for loans above $1.5M
- Twelve months for foreign nationals
- Six months required for DSCR below 1.0x
- In place leases, month to month leases with verification, or market rent when unleased
- Short term rentals require documented income and occupancy
How DSCR Loans Work
The DSCR process at Upright Lending is designed to feel simple, fast, and predictable.
Share the Property Information
Upload your details including the lease, rent roll, market rent data, insurance, taxes, and property photos. Your dedicated Upright Lending team will review all information with you.
Fast, Hybrid Underwriting
We complete our property valuation, and evaluate rental income, debt-service coverage ratio (qualifiable rents over housing expenses), credit, reserves, and occupancy. This hybrid model blends technology with experienced credit analysts who understand rental portfolios.
Clear Digital Terms
You receive a transparent term sheet that outlines pricing, DSCR, reserve requirements, and closing conditions.
Closing with Predictable Coordination
Upright Lending maintains industry-leading timelines and consistent execution.
Hold and Scale Your Portfolio
Upright Lending becomes your long term capital partner. We support future refinances, portfolio expansions, recapitalizations, and additional acquisitions.
Why Real Estate Investors Choose Upright Lending for DSCR Loans
Property First Underwriting
DSCR Loans rely primarily on asset performance rather than personal income. Upright Lending structures loans around market rents, in place leases, and DSCR requirements from the DSCR Guidelines.
Aligned Incentives that Support Long Term Success
Our internal model rewards long term portfolio performance, not short term volume. This creates stronger communication and better outcomes for rental investors.
A Dedicated Team, Not a Call Center
Upright Lending determined approval based upon market rents, in-place leases, and property expenses.
Your portal provides total visibility throughout your loan origination process.
Your portal provides total visibility across servicing, payments, documents, communication, and analytics.
Flexible Options for Rental Investors
- Buy stabilized assets
- Refinance BRRRR projects
- Season and stabilize then refinance
- Build and hold
- Expand portfolios across markets
- Refinance to reduce interest rate or payment and/or to liquidate equity.
Upright Lending supports every aspect of the rental investment strategy.