Real-estate investor financing

DSCR Rental Property Loans

Rental-property financing evaluated in part by the property’s cash flow rather than only personal income. We help you explore a possible structure; the participating lender makes the final decision.

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The short answer

A DSCR (debt-service-coverage-ratio) rental loan is financing for business-purpose, non-owner-occupied rental property, evaluated partly by the property’s cash flow rather than only personal income. Paradise Working Capital, a Hawaii-based broker, reviews the request and matches it to a participating funding source.

What to expect

A property-first review

DSCR programs are generally for business-purpose, non-owner-occupied rental property. Debt service, lease or market rent, property type, and borrower experience may affect eligibility.

Requests are reviewed for business purpose, property type, occupancy, equity, requested use of proceeds, repayment or exit strategy, and state-specific requirements. Additional disclosures may be provided automatically when required.

Common review factors

Property

Value, condition, location, lien position, and marketability.

Plan

Budget, timeline, experience, repayment, refinance, or sale strategy.

Purpose

Business-purpose use of proceeds and occupancy must be clear.

DSCR Rental Property Loans — Frequently Asked Questions

Who is DSCR Rental Property Loans for?

DSCR programs are generally for business-purpose, non-owner-occupied rental property. Debt service, lease or market rent, property type, and borrower experience may affect eligibility.

Can I use this for an owner-occupied home?

These pages focus on business-purpose and investment financing. Owner-occupied residential requests may require a different review path and are not assumed to qualify.

Are terms guaranteed?

No. A completed application is reviewed by the participating funding source. Rates, leverage, fees, timing, and approval are not guaranteed.

Start Your Funding Review

To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.

⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.

First Name

Last Name

Business Name

Entity Type

Years in Business

Industry (optional)

Were you referred by someone? (optional)

Phone Number

Email Address

Monthly Revenue

Funding Needed

Funding Type (optional)

Business State

Estimated Credit Score (FICO)

Do you own commercial or investment property?

Yes No

Documents for review

A completed form and the requested documents are needed before we can properly review your request and identify potential program fits. Upload what applies to your request; additional items may be requested before options can be evaluated.

Bank Statements (3–6 months)

Existing Debt Summary

Year-End Financial Statements

Year-to-Date Financial Statements

Government-Issued ID

Additional Documents

By submitting, you agree to be contacted by Paradise Working Capital or one of our lending partners.
We respect your privacy and never sell your information.

Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score.

*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.

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You're In — Application Received!

Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.

A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.

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