Hold it. Cash flow it. Repeat. 
Long-term Rental Financing Built Around Your Cash Flow.
Premium DSCR gives investors scalable, long-term financing for rental properties by focusing on the property’s cash flow, not your tax returns. Whether you’re executing BRRRR, refinancing out of a rehab or bridge loan, or locking in 30–40 year debt on a portfolio, this program is built to help you stabilize, recycle capital, and grow your holdings.
Program Overview 
Premium DSCR: Long-Term Rental Loans
One unified DSCR platform with multiple product tracks so you can match the right loan to each strategy — from single-asset rentals to small portfolios and multifamily.
Use Premium DSCR when you’re:
- Locking in long-term financing after a rehab or bridge loan
- Buying or refinancing a cash-flowing rental as part of a BRRRR strategy
- Consolidating multiple properties into a single portfolio loan
- Financing or refinancing a small multifamily asset based on its income
Feature
Premium DSCR
Loan Amounts
$150,000-$3,000,000
Term Options
30-year fixed; 40-year fixed on Expanded.
Max LTV
Up to 80% purchase; up to 75% cash-out
Minimum DSCR
0.80x–1.10x+ (varies by product)
Minimum FICO
660–700+ depending on program
Prepay Options
Step-down, reduced-prepay, or low/no-prepay
DSCR Program
Rates & Terms 
Simple Documentation
underwrite around property performance and investor profile, not a stack of tax returns.
Application (borrower & guarantor/principals)
Lease agreements and/or rent roll
Operating history or market rent analysis
Purchase contract or payoff statement (for refinances)
Appraisal with rental schedule and DSCR analysis
Bank statements for reserves and liquidity
Entity formation documents (LLC, LP, or Corp)
Insurance declarations
Borrower Requirements
- Entity-based lending only (LLC, LP, or Corporation)
- Personal guarantees required from key principals (unless program-specific exceptions apply)
- Minimum FICO: typically 660–700+ depending on track
- DSCR must meet the minimum for the selected product (0.80x–1.10x+)
- Strictly business-purpose, non-owner-occupied properties — no primary residences or consumer loans
Insurance Requirements
- Minimum policy term: 12 months
- Hazard coverage: at least 80% of insurable value
- Liability coverage: at least $500,000
- Flood insurance required if the property is in a designated flood zone
trentium premium loans
Where We Lend
Trentium lends across a growing footprint of states nationwide, with select licensing and prepayment restrictions.
Use the interactive map on this page to see where Premium DSCR is currently available and any state- or program-specific limitations. If your state isn’t highlighted yet, reach out — we may still be able to review your scenario.
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Frequently Asked Questions
What is a DSCR loan and how does Premium DSCR work?
A DSCR loan (Debt Service Coverage Ratio loan) is a long-term rental financing option that qualifies based on the property’s cash flow, not the borrower’s personal income.
Premium DSCR evaluates the rent vs. PITIA (principal, interest, taxes, insurance, HOA) to approve long-term fixed-rate loans for rental properties.
This makes Premium DSCR ideal for:
- BRRRR investors
- Rental property owners
- Investors refinancing out of rehab/bridge loans
- Portfolio operators with multiple rentals
What DSCR programs does Trentium offer?
Premium DSCR includes five product tracks to match different rental strategies:
- DSCR Core – Standard long-term rental loan for 1–4 units
- DSCR Expanded – Flexible DSCR and credit tiers, 40-year options
- DSCR Portfolio – 2–10 properties under one loan
- DSCR Multifamily – 5–8 unit small-balance multifamily
- DSCR Foreign National – For non-U.S. investors buying U.S. rentals
This gives investors more flexibility and better approval odds than traditional DSCR lenders.
What is the minimum DSCR required?
The minimum DSCR varies by program:
- Core: 1.00x+
- Expanded: 0.80x–1.00x depending on tier
- Portfolio: Typically 1.10x+ (property and/or portfolio level)
- Multifamily: ~1.00x+
- Foreign National: Typically 1.00x+
Lower DSCR tiers are available on Expanded and Portfolio tracks for rentals still stabilizing.
How much financing can I get with Premium DSCR?
- $250,000-$4,000,000+ on most tracks
- Up to $5,000,000 on DSCR Portfolio
- Up to 80% LTV on Core (purchase/limited cash-out)
- Up to 75% LTV on cash-out refis
- Up to 65% LTV for Foreign National loans
Who qualifies for Premium DSCR loans?
Borrowers must:
- Use an entity (LLC, LP, or corporation)
- Have a FICO typically 660–700+ (higher for Portfolio, Multifamily, FN)
- Provide personal guarantees
- Own or purchase non-owner-occupied properties
- Meet the DSCR minimum for the chosen product
No tax returns or personal income documentation required — approval is property-cash-flow-based.
What property types are eligible?
Premium DSCR supports:
- 1–4 unit SFR rentals
- Townhomes & PUDs
- Condos (program-eligible)
- 5–8 unit multifamily (Multifamily track)
- 2–10 rental property portfolios (Portfolio track)
Not eligible: rural, mixed-use, owner-occupied, manufactured homes, land, commercial, or properties with significant deferred maintenance.
What is the DSCR formula?
DSCR = Gross Monthly Rent / Monthly PITIA (or ITIA)
Example:
- Rent: $2,600
- PITIA: $2,000
- DSCR = 1.30x
A DSCR of 1.00x means the property breaks even.
Above 1.00x means positive cash flow.
Below 1.00x means the property does not fully cover debt service (still eligible on Expanded tiers).
Does Premium DSCR allow cash-out refinances?
Yes.
Premium DSCR supports:
- Cash-out refis on Core, Expanded, Multifamily, and Portfolio
- Up to 75% LTV (program specific)
- Higher DSCR required for larger cash-outs
- Great fit for BRRRR strategy or equity harvesting
Cash-out is also allowed for Foreign National loans at reduced LTV.
What term options are available (30-year, 40-year)?
Premium DSCR offers:
- 30-year fixed on all products
- 40-year fixed on DSCR Expanded
- 10-year interest-only options on select Core, Expanded, Portfolio, and Multifamily loans
Interest-only structures reduce monthly payments and improve DSCR.
What documents are required for a DSCR loan?
Documentation is lighter than bank underwriting. Typically required:
- Borrower & guarantor application
- Lease agreements or rent roll
- Market rent analysis or operating history
- Appraisal with rental schedule (1007)
- Entity formation documents
- Bank statements for reserves & liquidity
- Insurance documents
- Purchase contract / payoff statement
No tax returns. No income verification.
Are there prepayment penalties?
Yes — most DSCR loans include step-down prepayment structures, such as:
- 5-year, 4-year, 3-year step-downs
- 3-2-1 or 2-1 options
- Some low- or no-prepay options available
States like AK, KS, MN, NM, OH, MI, PA have specific prepay restrictions.
How does DSCR Portfolio lending work?
Portfolio loans allow investors to finance 2–10 properties in one loan, offering:
- One monthly payment
- One maturity
- Ability to pull equity across the portfolio
- Up to $5M loan amount
- 1.10x+ DSCR required
Perfect for operators growing beyond single-asset DSCR.
Does Trentium offer DSCR loans to Foreign Nationals?
Yes.
Premium DSCR includes a Foreign National track designed specifically for non-U.S. investors.
It provides:
- Up to 65% LTV on purchases
- Up to 60% LTV on cash-out
- 30-year fixed terms
DSCR-based qualification (no U.S. tax returns)
What insurance is required for DSCR loans?
All DSCR loans require:
- 12-month policy term
- Hazard coverage ≥80% of insurable value
- Liability coverage ≥$500,000
Flood insurance if applicable
How long does Premium DSCR take to close?
Most DSCR loans close in 2–3 weeks, depending on appraisal turn-times.
If leases and docs are ready, Expanded and Core programs can close even faster.
What states does Premium DSCR lend in?
Trentium lends across a large and expanding nationwide footprint with some restrictions depending on product and prepay laws.
If your state isn’t shown on the map, contact a specialist — many exceptions can still be reviewed.
How do I get a DSCR quote?
You’ll receive a custom term sheet by sending:
- Property address
- Rent or lease details
- Purchase/refi info
- Entity name
- Your timeline
Click Get My Rate or Talk to a Specialist to get started.