Phoenix, AZ · DSCR Rental Loans
DSCR Rental Loans in Phoenix
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Phoenix investors choose 818
Phoenix remains one of the strongest DSCR markets in the country — SFR rentals in West Phoenix, Maryvale, and Glendale pencil at 7–9%+ gross yields, and STR regulation is relatively investor-friendly in Scottsdale and Tempe.
Our edge here: Fix-and-flip in Phoenix: 90% LTC, 75% ARV, 12-month terms, no income docs.
DSCR Rental Loans: Phoenix terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Program details that apply in every market: DSCR Rental Loans — national program page
Common questions — Phoenix DSCR loans
Does 818 Capital offer DSCR loans in Phoenix?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Phoenix and the greater Maricopa County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Phoenix?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Phoenix neighborhoods do you lend in?
We actively finance DSCR loans across Maryvale, Glendale, Scottsdale, Tempe, Mesa, Chandler, and other submarkets of Maricopa County.
How fast can 818 Capital close a DSCR loan in Phoenix?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Phoenix
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental Loans in other markets
Ready to close your Phoenix deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.