DSCR Loans from Ternus
At Ternus, our DSCR loans are built for investors who need speed and dependable closings
→ Up to 80% LTV
→ Low 1.05x minimum DSCR
→ Interest-only available
We deliver investor-focused financing designed to help you build lasting wealth. Whether you’re refinancing or growing your rental portfolio, our DSCR program is built to scale with your success.
Loan Term
30-year fixed 5/1, 7/1, and 10/1 ARM
Proceed Usage
Purchase, refinance, cashout & portfolio
Loan Amount
$75,000 to $2,000,000³
Property Types
Single-family residences, 2 to 4 units, condos, townhouses, and PUDs
Short-Term Rentals
Eligible with LTV reduction
Property Value
$115,000 minimum
Borrower Credit Score
Minimum 680 FICO²
Foreign nationals welcome
Vacancy
Fully vacant purchases permitted
Borrower Liquidity
9 months PITIA or ITIA⁴
¹ Requires a minimum 720 FICO credit score
² FICO scores between 660-679 may be approved by exception on a case-by-case basis
³ Larger loan amounts may be considered on a case-by-case basis
⁴ Additional reserves required for short-term rental properties, foreign nationals, and new property managers
Real estate investors choose Ternus because we deliver what matters most. We offer speed, reliability, and a team that understands the challenges and opportunities of real estate investing. Our process is clear, our terms are straightforward, and our focus is always on helping you close quickly and grow your business with confidence.
We qualify your loan based on property income, not personal income.
Transparent terms and quick closings you can count on.
Flexible loan options designed to help scale your rental portfolio.
Wondering how we can close in 24 hours? Want to know more about our 100% leverage options? We’ve got answers to all your questions.
Ternus is rapidly exapanding into new markets, but currently, we lend in 45 states. State restrictions may apply. We do not offer loans in California, Arizona, Nevada, Oregon, New Hampshire. Other restrictions may apply. To determine if your project is eligible for funding in your state, please reach out.
Yes! We are able to offer leverage up to 100% on certain loan programs. However, not all investors may qualify for this leverage. To determine your eligibility, please reach out.
We pride ourselves on speed and efficiency. For example, we can close your fix and flip deal in as little as 24 hours, ensuring you get the funds you need without delay. However, our timelines vary by product, and are heavily reliant on the investor’s own organization (eg. all required documents, permits, etc. are ready to go) and responsiveness.
We lend on 1 to 9 unit residential properties. Ineligible properties include commercial, manufactured homes, raw land, and rural properties.
Required documentation includes proof of funds, property valuation reports, project plans, and borrower identification. Specific requirements may vary based on the loan product.
Our draw process is straightforward. We send you a link to take pictures of the property. Once the necessary documentation is submitted, funds are typically released within 1 business day.
Yes, closing costs can be rolled into the loan, allowing you to manage your cash flow more effectively. However, Ternus does not allow Ternus’ fees to be rolled into the loan.
Our loan officers can be reached via phone at (972) 755-1880 or through our contact form.
