BCF's #1 Product: The DSCR Rental Loan

BCF is your Premier DSCR Specialist with a 92% close rate!

At BCF Commercial Capital, we make real estate investing seamless. We achieve our industry-challenging 92% closing rate by entirely eliminating the rigid, traditional underwriting boxes that stall out great deals. In fact, over 60% of our successful closings are rescue files. Deals aggressively turned down by other lenders due to strict credit restrictions, sudden LTV caps, or property profiles that didn't fit their narrow guidelines. Instead of hunting for reasons to say no, we qualify transactions based on the actual cash flow of the property, with no personal tax returns or employment verification required.

Our secret to execution lies in our exclusive 3-Tiered DSCR Platform. By analyzing the complete landscape of your deal and focusing on balancing credit profiles from 450 to 700+, maximizing leverage up to 85% LTV, and expanding property eligibility to include commercial and short-term rental assets. We map your unique scenario to a specialized lending tier engineered to get you to the closing table. Whether you are a prime borrower looking for maximum leverage, an investor expanding into commercial spaces, or equity-rich with credit challenges, BCF has a custom path to a guaranteed close.

Our Tier One program is built for prime-credit investors looking for premium SFR rentals

TIER ONE

Flexible Lending Limits: Capital access from $150k up to $3M.
Maximize Your Leverage: Up to 85% LTV for Purchases and up to 85% LTV for Cash-Out refinances.
Investor-Friendly Qualification: Property qualifies based entirely on cash flow—no personal income or employment verification required.
Streamlined Credit Guidelines: Accessible financing starting at a 700+ FICO.
DSCR: 1.20X
Versatile Property Profiles: Eligible properties include SFR & 2–4 unit multiplexes, standard condos, non-warrantable condos, and short-term rentals (Airbnbs/VRBOs). (Note: Mixed-use properties are excluded).

*** Please note that tier one is only available for borrowers with credit scores over 700 and specified property profile***

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Tier Two: Our #1 Product for Versatile Property Profiles & Flexible Investor Guidelines

TIER TWO

Loan size: $100,000 to $4,000,000
Purpose: Purchase, Refinance, Cash Outs
Loan term: 30-Year Fixed
Amortization: up to 30 years
LTV: up to 75% on Purchases, Rate and Term, and Cash Out Refinance
Versatile Property Profiles: • Single Family Residence & Multi-Family
• Office Buildings and Suites
• Retail
• Warehouse
• Self-Storage
• Automotive
FICO: SFR: 660
DSCR: 1.0X
Documentation: No tax returns required, Lease Agreement, Market Valued Rent

*** Tier Two is our #1 product tier because it accommodates the real-world credit ranges and commercial property profiles that traditional lenders turn away. ***

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Tier Three is for 450-659 FICOs needing quick 50% to 65% LTV on a purchase or cash-out

TIER THREE

Loan size: $100,000 to $3,000,000
Purpose: Purchase, Refinance, Cash Outs
Loan term: 30-Year Fixed
Amortization: up to 30 years
LTV: Low as 50% LTV but can reach 65% LTV with scores over 600
Versatile Property Profiles: • Mixed-Use
• Single Family Residence and Multi-Family
• Retail
• Warehouse
• Self-Storage
• Automotive
FICO: 450 - 659
DSCR: 1.0X
Documentation: No tax returns required, Lease Agreement, Market Valued Rent

*** Tier three is for clients who are credit challenged but have capital and equity in their property for a quick Cash-Out Refinance ***

Why Investors Trust BCF to Close: By Achieving Your Closing Goals with BCF's Multi-Tiered Solutions

In the commercial lending world, too many deals fall through because traditional lenders only look at a single number. At BCF Commercial Capital, we know that successful real estate investing doesn't always fit into a rigid, square box.

We don't just judge your deal by its DSCR ratio. Our proven track record of getting loans closed is built on a holistic approach. We carefully evaluate every variable of your scenario to find a path to "Yes":

Property Profile Flexibility: From the standard SFR or 2–4 units to short-term vacation rentals and non-warrantable condos, we know how to position diverse asset classes for approval.
Credit & FICO Tiering: With programs starting at a 450+ FICO, we utilize tiered options that match your credit profile to the right leverage.
Optimized LTV & Loan Purpose: Whether you are maximizing leverage on a new purchase (up to 85% LTV) or pulling equity out via a cash-out refinance (up to 75% LTV), we align the loan structure with your exact wealth-building goals.

The BCF Difference: We have engineered multiple program tiers specifically designed to accommodate unique loan scenarios. If there is a viable way to close your deal, BCF has the framework to make it happen.

Frequently Asked Questions

Please reach us at mark@bcfcommercialcapital.com if you cannot find an answer to your question.

What is a Debt Service Coverage Ration Loan (DSCR)?

The debt service coverage ratio (DSCR) is the relationship of a property’s annual net operating income (NOI) to its annual mortgage debt service (principal and interest payments). For Rental Loans, we use DSCR to determine how large of a loan can be supported by the cash flow generated from a borrower’s portfolio.

Do you have a minimum credit score?

In general, we do not have a minimum credit score threshold. Instead, we look at a borrower’s overall credit profile, track record and liquidity. But the amount one can borrow (LTV) be impacted if scores are below 600.

What are the requirements for a DSCR rental loan?

Rental loans are qualified based on considered requirements such as, credit score, loan-to-value (LTV) ratio, and (DSCR) debt service coverage ratio - (rental income/ new mortgage payment which includes taxes, insurance, and HOA dues if applicable.) You will need to create a Special Purpose Entity for your property and loan.

Do I need a Special Purpose Entity for my loan?

Yes. Because we are a commercial lender, you will need a Special Purpose Entity (typically a Limited Liability Corporation, or LLC) for your loan. If you don’t have one, no need to worry—it is typically a very straightforward process and our team can assist you.

Are there any specific requirements or restrictions on the rental property itself?

To be eligible for a rental loan, the property must 100% be a rental regardless of the profile of that property. Leases and Rent Rolls will be requested. The property needs to exhibit positive cash flow, be designated for residential use if we are financing SFR (boarding houses are not accepted), and must be in good condition, rated as C4 or better.

How long does the process take to close?

Generally, our term loans close within 25-45 days. We are prepared to move as quickly or slowly as the borrower is comfortable. The Appraisal order time and Title prep are the only things we can't control.

How does a Borrower get started?

Please complete our online application under contact or email us at mark@bcfcommercialcapital.com to request a consultation.

Are there any additional fees or costs associated with the loan, such as appraisal or inspection fees?

Yes, the only additional cost associated with a rental loan is the appraisal fee paid by the borrower.

Do you lend on short-term rentals?

Yes, the qualification for short-term rentals is based on the 12-month ledger from VRBO/Airbnb.

What states do you lend in?

We lend in most major, secondary, and tertiary markets across the 50 states including Puerto Rico.

Can I obtain a Rental Loan for a property that is not currently leased?

Our Rental Loans are for stabilized rental properties with leased homes. Typically, this means that nearly all homes are leased or in the process of being leased when the loan closes. Several of our borrowers take advantage of our Bridge Loans to purchase and aggregate properties until they are mostly leased and can be financed with a Rental Loan.

Do you report my mortgage payments to the credit bureaus?

No. We are a commercial lender and you will have a commercial loan.