DSCR Rental

Archwest offers a competitive and flexible DSCR product to help investors tap into existing equity or build and scale long-term rental portfolios with ease.

DSCR Rental Loan

Term

30 Years

Loan Amount

$75K to $3.5M

LTV

Up to 80%

LTV Cashout

Up to 75%

Property Types

Non-Owner Occupied
SFR, Condo, Townhome, 2–4 Plex
Multifamily Up to 9 Units
Short-Term Rentals Okay

Flexible Rental Property Financing Solution

Our DSCR Rental Loan offers a 30-year, long-term financing solution that can be customized to meet the diverse needs of rental property owners and their assets.

Free 30-Day Rate Lock

Up to $3.5 Million Loan

No Max Per Unit Rent

Min DSCR as Low as .75

Speed and Efficiency from Start to Funding

STEP 1

Loan Inquiry

Start with a quick and easy loan inquiry. Provide basic details about your project to receive an instant quote, followed by a consultation with an Account Executive to review your financing options.

STEP 2

Underwriting

Experience our fast and efficient underwriting process. With dedicated lending experts guiding you at each step, we deliver unmatched speed and seamless execution.

STEP 3

Closing

Once approved, we move swiftly to closing. Your funds are disbursed quickly, allowing you to move forward without delay. Renovation and construction draws are made simple and hassle-free.

STEP 4

Loan Funded

With your loan funded, you can focus on executing your project with confidence. Our efficient disbursement process ensures timely access to capital, keeping your investment on track.

Frequently Asked Questions

What is Archwest and who is your audience?

Archwest is a national, direct, private lender (non-bank) specializing in financing solutions for residential real estate investors. With a proven track record and deep industry expertise, we are the go-to partner for experienced investors seeking fast, flexible, and reliable funding.

What kind of loan products do you offer?

We provide short-term bridge loans for fix-and-flip projects and new ground-up construction, as well as long-term financing solutions for rental properties and portfolios. Our flexible loan options are designed to support real estate investors at every stage of their investment journey.

How do I start my loan application process?

You can begin instantly and obtain a quick quote through this easy link: Get Started.

Once complete, a member of our team will connect with you to gather more information and prepare a term sheet based on the specifics of your loan.

How quickly can I get approved and funded?

Fast, Reliable Closing Times

Speed is our strength. Our experienced team is dedicated to moving quickly and efficiently, delivering same-day quotes and same-day construction draws upon closing.

Fix & Flip Loans: Typically close in 5–10 days. Our record closing is 1 day.
Ground-Up Loans: Generally close in 7–14 days, with a record closing of 2 days.
DSCR Loans: Usually close in 10–20 days. We’ve closed one in as fast as 3 days.
Rental Portfolio Loans: Typically close in 12–24 days, with a record 5-day closing.

Timelines will vary depending on borrower qualifications, documentation readiness, property specifics, and market conditions. Additionally, once a borrower is approved, future transactions may close even faster.

Do you work with first time investors?

We typically work with experienced investors who have completed at least one prior investment. Experience requirements will vary by loan product. Contact us to discuss eligibility based on your investment background.

Fix & Flip Loans: Typically require at least one completed project within the past 36 months.
Ground-Up Construction Loans: Generally require three completed projects within the past 36 months.

Do you work with brokers?

Yes, we work extensively with brokers and are always looking for new partnerships. Connect with our team to discuss questions such as compensation and broker protection. Visit Broker Page

Proven Team. Trusted Lending Partner.

With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with thousands of real estate investors on projects nationwide.