Direct Lender | $75k-$10M, 1-8 Units

Instant DSCR Loan
Pre-Approval

  • No income verification
  • No W-2s or tax returns needed
  • Get funded in 14 days

Get Pre-Approved & See OptionsTakes 60 seconds, no credit impact

🔒100% Secure – Your Privacy is Our Priority

How DSCR Loans Work

We use the rental income or potential market rent of the investment property to qualify you for purchase or refi. Your rental property can even be vacant!

Our Unique Benefits

  • Direct lender – no middleman
  • Highly competitive rates
  • Exceptional service
  • Quick approval, easy process
  • No hard credit pull
  • Short term rentals and portfolios welcome
  • Up to 30 year term

"Highly recommend"

“They’ve been financing my rentals for a few years, always made the process smooth and super easy. Team is knowledgable (sic), fast. Communications top notch. Very solid, would highly recommend.“

– Joe B., Florida
Landlord | 6 years experience

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How It works

3 simple steps to funding — with zero hassle.

1. Get Pre-Approved

Answer a few quick questions to see if you meet basic criteria – with zero impact on your credit

2. Expert Guidance

We’ll walk you through multiple loan options customized to your deal and goals

3. Get Funded

Your deal gets done — without delays, red tape, or surprises — so you can close with confidence

Get Pre-Approved

DSCR Loan Programs

We offer DSCR loans for properties with up to 8 residential units, as well as portfolios, and short term rentals.

Purchase

  • No Tax Returns Required
  • No Personal DTI Calc Req.
  • Portfolios Welcome
  • Short Term Rentals Welcome
  • Up to 80% LTV
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Refi (Rate-and-Term)

  • No Tax Returns Required
  • No Personal DTI Calc Req.
  • Portfolios Welcome
  • Short Term Rentals Welcome
  • Up to 80% LTV
Get Pre-Approved

Refi (Cash-Out)

  • No Tax Returns Required
  • No Personal DTI Calc Req.
  • Portfolios Welcome
  • Short Term Rentals Welcome
  • Up to 75% LTV
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DSCR Loan Requirements

  • Minimum 650 credit score from you or a cosigner
  • $75,000 min loan amount
  • $10M max loan amount
  • You cannot live in the property
  • The property has a maximum of 8 units
  • Additional requirements may apply

The Kybele Advantage

Fast & Simple

Our process is designed to help you close quickly and reliably — with minimal paperwork and clear updates every step of the way

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Flexible Financing Options

We offer many programs including DSCR, new construction, and bridge loans — so you get the right fit for your project

Proven & Trusted

Over 500 investors funded and $500M in deals closed — we bring experience and reliability to every transaction.

Reviews

"Honest, reliable, fast"
“Kybele was a smaller lender when I was initially introduced, but thankfully I can say that the excellence in servcie (sic) and communication has been retained even as they’ve clearly grown a lot. The owner is a real estate investor himself, has his own rentals, has done his own projects. He understands what you actually go through as an investor and the typical headaches dealing with financing, and makes it all work for you. There's a team of loan officers now, but based on my experiences with the team they are every bit as knowledgeable and professional as Jon himself, which I genuinely would not have expected. In my experience even great employees won't put in what the owner puts in, but not here. I recommend them highly”

- Dan M. | Maryland
Landlord and BRRR Investor, 8 years experience
"Extremely attentive and responsive"
"I recently used Kybele Capital to secure funding for the purchase of my second rental property, and the experience was nothing short of exceptional. From the get-go, the team was incredibly responsive and attentive to my needs. The process was seamless, and the loan terms were very competitive. What stood out the most was the promptness in communication. I can't tell you how many lenders I've worked with where you can't get a phone call back... when you're trying to give them your business and fund a deal! They took the time to understand my investment goals and tailored a solution that perfectly matched my needs (dscr loan). I'd recommend them to anyone."

- Sarah T. | Memphis, Tennessee
Rental Investor, 3 years experience
"Valuable partner to my development firm"
"Kybele Capital has been an invaluable partner for us. As a developer, I require a lender who can provide not just funding but also expertise and flexibility. Sometimes we have to structure things creatively, and many lenders aren't willing to put in the effort. The team is very prompt communication. Excellent service. I’m looking forward to continuing my partnership with Kybele Capital for all my future developments. Top-notch lender."

- Michael R. | Florida
Real Estate Developer, 10+ years experience
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Recently Funded DSCR Deals

image of a home refinanced using a dscr loan
image of home refinanced using a dscr loan
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