Own multiple rentals? Ready to acquire a package of properties in one shot? This loan was built for you.

A DSCR portfolio loan is the go-to financing solution for landlords and real estate investors who want to grow — or consolidate — their rental portfolio without jumping through the hoops of traditional bank lending. Whether you're buying a package of single-family rentals, scaling your existing holdings, or refinancing multiple properties under one loan, this is how serious landlords get it done.

Forget W-2s, pay stubs, and tax returns. A DSCR portfolio loan qualifies based on one thing: does the property cash flow? Lenders evaluate the Debt Service Coverage Ratio (DSCR) — a simple comparison of the portfolio's rental income against its debt obligations. A DSCR of 1.25 or higher signals the properties generate enough income to comfortably cover the loan, and that's what gets you approved.

This is a game-changer for landlords whose tax returns are reduced by depreciation and property expense deductions — your paper income doesn't reflect your actual investment performance, and DSCR loans account for that reality.

• No Personal Income Verification: Qualify on the strength of your rental income, not your personal financials.
• Scale Without Limits: Traditional loans cap how many mortgages you can carry. DSCR portfolio loans remove that ceiling, letting you keep acquiring.
• Buy Portfolios in One Close: Acquire multiple properties under a single loan — cleaner, faster, and more efficient than financing each asset individually.
• Faster Approvals: No income documentation means a streamlined process so you can close while the deal is still on the table.
• Built for Landlords: Whether you hold long-term rentals, short-term rentals, or a mix of both, DSCR loans are structured around how investment properties actually perform.

If you're a landlord looking to consolidate, scale, or make a portfolio acquisition, American Financial Lending has the structure and speed to make it happen.