Side by side
| DSCR Loan | Hard Money Loan | |
|---|---|---|
| Term | 30 years | 6–24 months |
| Cost | Lower | Higher |
| Property condition | Rent-ready | Any |
| Typical use | Hold rentals | Buy and fix |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Explore each option
Investment property
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
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Investment propertyHard Money Loans
A hard money loan is a short-term investment-property loan from a private lender that approves mainly on the property’s value and the deal, not your income or credit history.
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