Helena investors use DSCR loans to lock long-term financing sized to cash flow—ideal for scaling stabilized rentals.

DSCR Basics

DSCR = Gross Rent ÷ PITIA. A ratio of 1.00+ typically qualifies; higher DSCR improves pricing. Choose prepay terms that align with your hold period.

What to Prepare

Leases or appraiser rent schedule, entity docs/IDs, bank statements for reserves, landlord policy, and appraisal access.

Common Helena Scenarios

Bridge-to-DSCR refi after rehab and lease-up; purchase DSCR with tenant in place; cash-out DSCR to unlock equity.

Q&A

Vacant property? Market rent schedule can support DSCR sizing.
Small multifamily? Often eligible; underwriting varies.
No-prepay? Available; pricing differs.

Hard Money Lender in Helena