Seattle, WA · DSCR Rental Loans
DSCR Rental Loans in Seattle
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Seattle investors choose 818
Seattle is a higher-ticket, appreciation-forward market where value-add multifamily and townhome plays dominate. Tech employment keeps rents climbing, but the city's regulatory environment demands underwriting that reads local rules correctly — and the Peninsula's STR pods run an entirely different playbook from the metro core.
Our edge here: We price the Seattle metro and the Olympic Peninsula at different tempos and underwrite them separately — one credit box does not fit both.
DSCR Rental Loans: Seattle 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.
Common questions — Seattle DSCR loans
Does 818 Capital offer DSCR loans in Seattle?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Seattle and the greater King County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Seattle?
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 Seattle neighborhoods do you lend in?
We actively finance DSCR loans across Ballard, Beacon Hill, Columbia City, Lake City, West Seattle, and other submarkets of King County.
How fast can 818 Capital close a DSCR loan in Seattle?
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 Seattle
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 Seattle deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.