Rental loans — also known as DSCR (Debt Service Coverage Ratio) loans — provide long-term financing for stabilized income-producing residential rental properties. Unlike conventional mortgages, rental loans are underwritten primarily based on the property’s rental income relative to its debt obligations, rather than the borrower’s personal income. This makes them an ideal solution for real estate investors who hold multiple properties or whose personal income may not reflect the strength of their rental portfolio. Progressive Realty Capital’s rental loan program offers 30-year fixed and adjustable-rate options, enabling investors to lock in long-term financing and maximize cash flow.