DSCR Fixed Second Mortgages

Access Investment Property Equity Across 39 States

Put Your Rental Property Equity to Work

A DSCR fixed second mortgage lets eligible real estate investors access equity using the property’s rental income for income qualification rather than personal earnings. You receive a lump sum with a fixed interest rate and scheduled principal and interest payments.

Your existing first mortgage and its rate stay in place. The second mortgage adds a separate payment, providing funds for rental improvements, another investment purchase, or other eligible business purposes.

At Select Home Loans, we help you compare available options through our lending partners. We’ll explain the payments, costs, and responsibilities so you can decide what fits your investment plans.

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Why choose Select Home Loans?

Diverse mortgage options: Conventional, FHA, VA, Reverse Mortgages, Jumbo, Non-QM Loans, HELOC, Second Mortgages, and DSCR Loans.
Trusted reputation: A+ Rated and accredited by the Better Business Bureau.
Customized service: Solutions crafted to meet your specific requirements.
Established credibility: A reputation built on trust and experience.

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DSCR Second Mortgage Options for Your Investment Property

Whether you own a single rental or an established portfolio, we’ll help you explore financing for the property you have in mind. Options may include single-family homes, townhomes, condos, rural properties, multi-unit properties, and small portfolios, with programs for both short-term and long-term rentals. Eligible loans may also close in an existing or newly formed LLC.

We review your property’s value, current mortgage balance, and qualifying rental income to help you understand how much equity may be available. Depending on the program, rental income may be evaluated using an existing lease, an appraiser’s market rent estimate, or an approved short-term rental analysis.

We arrange business-purpose DSCR fixed second mortgage financing for eligible investment properties across 39 states. We’ll walk you through the documentation, answer your questions, and keep you informed from application through closing.

For a list of states we serve and answers to common questions, visit the FAQ section on our main DSCR loans page.

More Choices. More Clarity. More Support.

More Options

Multiple lending partners, with programs and rates to fit your goals.

3,500+

Borrowers helped along the way

39States

Business-purpose DSCR financing for eligible investment properties.

Hear What Our Clients Have To Say!

“We recently worked with Nick Andrews on a DSCR refinance for our investment property in Florida. The experience was smooth from start to finish. He handled the process exactly how an investor loan should be handled: clear communication, fast turnaround, and no surprises. From the initial quote through underwriting and closing, Nick stayed on top of every moving piece (DSCR calculations, rental income documentation, appraisal coordination, conditions) and explained everything in plain English. If you’re an investor looking for a rental income loan, I’d strongly recommend Nick at Select Home Loans.”

Brian N.Jupiter, Florida

“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been.”

Isabel B. & Gerald B.West Palm Beach, Florida

“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”

Miriam L.Orlando, Florida

“I was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans. From start to finish, the process went smoothly and without any surprises. I highly recommend Select Home Loans.”

Judy M.Boca Raton, Florida

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