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North Dakota · Rental property loans

DSCR Loans in North Dakota

Long-term rental loans for North Dakota investors, qualified on the property's cash flow. No tax returns, W-2s or debt-to-income ratio, just the rent, the value and your credit.

PurchaseUp to 80% LTV
Cash-outUp to 75% LTV
Term30-year fixed
Income docsNone
North Dakota DSCR rental loansUp to 80% LTV · Up to 75% LTV2,000+ capital partners

DSCR Loans in North Dakota

Win-Win Capital Funding arranges DSCR loans across North Dakota through more than 2,000 capital partners. Our DSCR engine compares multiple lenders at once, so North Dakota investors see the best available rate for their credit, leverage and cash flow, whether they're buying their first rental or refinancing a portfolio.

North Dakota dscr loans programs

ProgramMax leverageTerm / notes
PurchaseUp to 80% LTV30-year fixed; interest-only options
Rate/term refinanceUp to 80% LTV30-year fixed
Cash-out refinanceUp to 75% LTV30-year fixed
Short-term rental (Airbnb)Up to 75–80% LTVProjected or actual STR income
No-ratio / DSCR under 1.0Lower leveragePriced on credit and LTV

What we finance in North Dakota

  • Single-family rentals, 2–4 unit properties, condos and townhomes
  • Short-term and vacation rentals
  • Purchases, rate/term refinances and cash-out refinances
  • BRRRR refinances after a rehab
  • LLC and corporate vesting
  • Portfolio and blanket loans for multiple rentals

Areas we serve in North Dakota

  • Bismarck
  • Fargo
  • Grand Forks
  • Minot
  • West Fargo

We also lend in suburban, rural and resort markets throughout North Dakota.

More North Dakota financing

Fix & flip loans in North Dakota · Hard money in North Dakota · RV park financing in North Dakota · Business second mortgage in North Dakota · Bridge Loans in North Dakota · Ground-Up Construction Loans in North Dakota · SBA 7(a) Loans in North Dakota

Investors in nearby states can see DSCR Loans in Minnesota, DSCR Loans in South Dakota, DSCR Loans in Montana.

Terms are representative and subject to underwriting, appraisal and state availability. DSCR loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.

Questions

DSCR Loans in North Dakota: FAQ

What credit score do I need for a DSCR loan in North Dakota?

Most DSCR programs in North Dakota start at 660–680. Higher scores get better rates and more leverage, and lower scores may qualify with less leverage.

What DSCR ratio do North Dakota lenders want?

1.0 means the rent exactly covers principal, interest, taxes, insurance and HOA. 1.20–1.25 or higher gets the best pricing, and no-ratio programs are available when the rent doesn't cover the payment.

Can I use a DSCR loan for a short-term rental in North Dakota?

Yes. Short-term rental DSCR loans use projected or actual short-term rental income. Check local North Dakota city and HOA rules on short-term rentals before you buy.

Can I close a North Dakota DSCR loan in an LLC?

Yes. LLC and corporate vesting is standard on DSCR loans, which are business-purpose loans on non-owner-occupied property.

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