DSCR Income Verified Rental Loan
Lending Criteria
MidPoint's Income Verified Rental Loan is designed for investors who prefer a traditional income-based qualification and want access to the most competitive long-term rates available for investment properties.
Loan Details
• Covers SFR, 2–4 unit, and small multifamily investment properties
• Full income documentation — W-2, tax returns, or bank statements accepted
• Competitive fixed and adjustable rate options
• Higher LTV available versus DSCR products for qualified borrowers
• Long-term amortizing structures available
• Ideal for investors with strong personal income profiles
Who It's For
Real estate investors with documented income who want the lowest possible rate and the highest available leverage on a long-term rental property loan. If your personal income is strong, this program rewards it.
How It Works
Submit full income documentation along with property details. MidPoint underwrites to both the borrower's income and the property's cash flow for the strongest possible loan structure.
MCP DSCR Rental Loan | 1-4 Unit
DSCR rental financing for 1–4 unit properties up to $3M. Qualify on cash flow, not personal income — up to 85% LTV with no tax returns required.
MCP DSCR Rental Loan | 5-10 Unit
DSCR financing for 5–10 unit rental properties. Qualify on cash flow, not personal income — no tax returns, no employment verification, scalable for portfolio investors.
MCP Income Verified Rental Loan
MCP Income Verified Rental Loan
Long-term rental financing for investors with documented income. Higher LTV and competitive rates for SFR, 2–4 unit, and small multifamily — full income verification, maximum leverage.
Loan Products
Fix & Flip
When you find the deal, we fund it — fast. Our fix & flip programs cover $75K to $3M, up to 95% LTC for experienced investors, 100% renovation funded, and closings in 2 weeks or less. No appraisal required under $750K. No prepayment penalty. We also offer a Sunbelt-specific program with closings in as little as 24 hours across AZ, CO, GA, TN, TX, and NC. If the numbers work, we'll make it happen.
Bridge Loan
Need to move fast on an acquisition, refi, or value-add deal? Our bridge loan programs offer short-term financing from $100K to $75M across residential and commercial properties — with LTV up to 75%, interest-only terms, and closings in as few as 24 hours. No DSCR requirement on select programs. We bridge the gap while you execute the plan.
Construction Loan
From spec homes to large-scale commercial development, MidPoint has a construction program built for it. We fund ground-up residential construction from $75K to $1.5M and institutional commercial projects up to $75M — with flexible draw schedules, interest-only terms, and closings built around your timeline, not ours.
DSCR & Rental Loans
Qualify based on the property's cash flow — not your personal income. Our DSCR rental loan programs cover 1–4 unit properties, condos, and short-term rentals up to $3M, with LTV up to 85% and no tax returns required. Built for buy-and-hold investors who want a clean, scalable financing solution.
Multifamily
From small multifamily acquisitions to large-scale apartment repositioning, MidPoint has the right capital stack for the deal. Our multifamily programs cover bridge financing from $100K to $50M, ground-up construction up to $75M, and DSCR rental loans up to $3M — with LTV up to 85% and no personal income required on select programs. Value-add, stabilized, lease-up, or new construction — we fund it all.