Recently acquired rentals
Select programs can consider properties owned for less than six months, subject to valuation and documentation rules.
Redefining the investor experience
Start with a soft pull, price your loan with 140 wholesale lenders, select your rate and submit.
1042 Montage Way
$450,000
Long Term Rental
740Verified Pull
AI that does the LO's job.
Automated underwriting analysis that replaces hours of manual work with seconds of intelligence.
Start With a Soft Pull
No hard inquiry needed. One soft credit pull unlocks personalized pricing across 100+ DSCR lenders: zero impact to your score.
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AI Underwriting Analysis
Our AI reads rate sheets, checks guidelines, and underwrites your deal: doing the LO's job in seconds.
Parsing Live Lenders
98% Match
Calculating Debt Coverage
1.25x DSCR
Optimizing Rates
6.875%
Multi-Lender Intelligence
100+ DSCR lenders, every overlay, every adjustment: analyzed and ranked for your exact scenario.
Intelligence Feed
$
Angles for DSCR & investor-purpose financing
See what lenders see. Find your angle.
Experience the power of 10 mortgage brokers, all working for you.
Explore your options, understand the tradeoffs, and shape your next investment loan with RatePricer and the VirtuaLending team by your side.
Listed for sale?
A recent listing can still leave you with refinance options. Explore 1-year or no-PPP options and programs that can use current appraised value.
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- No PPP or a 1-year PPP
- Depending on the program and your scenario, options may include no prepayment penalty (0-year PPP), a 1-year PPP, or a longer term. A PPP is a charge for paying off the loan early, including through a sale or refinance. Compare that cost with how long you plan to keep the loan.
- Current appraised value or lowest listing price?
- Some programs can use current appraised value. Others use the lower of the appraisal or your lowest recent listing price. Your prior asking price is not a limit across every lender. Ownership history and recent improvements can also affect the value used for your loan.
- What changes which options fit?
- Listing status, time off market, ownership history, state rules, and your borrowing amount matter. Some programs require delisting or a waiting period. A no-PPP option may come with different pricing or a lower maximum loan-to-value (LTV). These choices vary by program and may not be available together.
- Match the option to your exit plan
- Planning to rent, hold, sell, or refinance again? Your loan team can compare eligible DSCR options for that plan and confirm the valuation method, listing requirements, PPP terms, and costs before you choose. Investor-purpose P&L-only financing needs its own program review.
- What lenders look at
- Whether the listing is active or removed, your listing and ownership history, rental plans, and how soon you may sell or refinance.
- What to have ready
- Your listing and price history, purchase date, current mortgage payoff, improvement records, and rental details.
No title seasoning cash-out
Recently purchased? Select programs may allow cash-out without a traditional minimum ownership period.
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- What lenders look at
- When and how you acquired the property, purchase price, improvements, and the value the lender can use. Ownership seasoning and valuation rules are separate.
- What to have ready
- Your purchase closing statement, current payoff, and any completed-improvement records.
Vacant property?
A tenant may not need to be in place yet. Eligible DSCR programs can consider appraisal-supported market rent.
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- What lenders look at
- Property condition, rent readiness, market rent, reserves, and the program’s vacancy and lease requirements.
- What to have ready
- The property address, current condition, any rental history, and your leasing plan.
Low credit score?
Explore investor-purpose financing where property equity and the full scenario are part of the review.
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- What lenders look at
- Your credit history, mortgage payment history, available equity, property, and exit plan. Flexible-credit options may offer less leverage or different terms.
- What to have ready
- Your estimated score, mortgage balance, property value, and context for any recent credit issues.
Finished the rehab?
Keeping the property? Explore a refinance that helps you move from a renovation project to a long-term rental.
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- What lenders look at
- Completed improvements, rental income, current value, existing financing, and the program’s seasoning rules.
- What to have ready
- Your purchase details, rehab costs and completion records, payoff, and rental plan.
Short-term rental?
Your booking history may not tell the whole story. Select programs consider appraisal-supported rental analysis.
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- What lenders look at
- Permitted property use, local restrictions, available rental history, and the income method accepted by the lender.
- What to have ready
- Your property address, available booking statements, operating history, and any required local permits.
Financing fit
What we fund, clearly.
Purchase, restructure, or unlock equity. We map the property, rent, and loan request to DSCR programs built for real estate investors.
$2B+
Origination volume behind our process
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DSCR_GUIDELINES.matrix
VirtuaLending // LiveFunding fit
Structured around the whole scenarioMore than a single guideline.
Cash-out refinances
Access equity using the valuation method, leverage limit, and seasoning treatment permitted by the selected program.
Investor property types
Single-family rentals, condos, townhomes, multifamily through 10 units, and eligible portfolio scenarios.
Rental-income qualification
Structure scenarios around current or market rent, including long-term and eligible short-term rental strategies.
Property map
From one door to a larger asset.
We route each property to the programs built for its unit count, income profile, and investment strategy. Specialty assets receive a tailored review instead of a one-size-fits-all answer.
Core DSCR
1–4 units
- Single-family
- Townhome
- Condo
- 2–4 unit
Expanded multifamily
5–10 units
- 5–10 unit multifamily
- Occupied or lease-up review
- Gross rent analysis
Tailored review
Specialty
- Eligible portfolios
- Mixed-use
- Commercial scenarios
Have a property in mind?
Share the address and loan goal. We will help map the scenario.
Program availability varies by borrower, property, location, lender, and loan purpose. All loans are subject to application, credit review, appraisal, underwriting, and approval. This information is not a commitment to lend.
Most DSCR platforms focus on: generic rate estimates.
We focus on:Precision.
How It Works
Three steps to your best rate.
From first click to funded loan: intelligence at every step.
Step 01
Tell Us About Your Deal
Enter your property details, loan amount, and rental income. Our soft credit pull means zero impact to your score: get real pricing in under 60 seconds.
Loan Parameters
Property Type—
Purchase Price—
Down Payment—
Credit Score—
Rental Income—
0/5
Step 02
AI Scans 100+ DSCR Lenders
Our engine simultaneously parses live rate sheets from 100+ DSCR lenders, cross-referencing your exact scenario against every guideline, overlay, and adjustment in real-time.
Scanning 100+ Lenders
100+Atlas
—Kiavi
—RCN
—Lima One
—Visio
—Easy Street
—Step 03
Pick Your Rate & Close
Review qualified options ranked by total cost. Select your terms and our team handles the rest: clear-to-close in as fast as 21 days.
DSCR ratio verified: 1.25x
LTV within guidelines: 80%
Credit score qualified: 720
Property type eligible
State approved: FL
ANALYZING...
Stop guessing your
cost of capital.
Access the intelligence layer for DSCR loans. Compare real rates, avoid hard pulls, and secure optimal financing today.