Buy and Hold / DSCR Loans for Long-Term Property Investment

Sprint Lending’s Buy and Hold loans are designed for real estate investors looking to build wealth through rental income. Whether you’re purchasing your first rental property or expanding your portfolio, our financing options make it easier to acquire and hold properties for steady cash flow.

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Advantages of Buy and Hold / DSCR Loans

COMPETITIVE RATES

Attractive interest rates to help maximize long-term returns.

INVESTMENT GROWTH

Facilitates the acquisition of properties to build a robust investment portfolio.

LONGER TERMS

Options for extended loan terms to accommodate your rental strategy.

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LOAN TERMS

  • Minimum Loan Amount: $100,000

  • Loan-to-Purchase Price: Up to 80%

  • Loan-to-Value (LTV): Up to 80%

  • Minimum DSCR: None

  • Interest Rate: From 7.5%

  • Origination Fee: Starting at 2.0%

  • Loan Term: 30-year fixed rate

  • Property Type: Residential 1–8 units

  • Minimum FICO Score: 650

LOAN PROCESS OVERVIEW

APPLICATION
Submit your property and investment details through our simple application.

ASSESTMENT AND APPROVAL

We review your documents, order the appraisal, and underwrite the loan for approval.

CLOSING AND FUNDING

Once approved, funds are released quickly so you can secure your property.

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BUY AND HOLD / DSCR LOANS FAQ

  • These loans are designed to help investors purchase and hold properties long-term, generating steady rental income.

  • No, prior experience is not always necessary. Approval is based more on the property’s income potential and your financial profile.

  • Typically, Buy and Hold loans focus on acquisition, but certain scenarios may include rehab financing. Ask our team for details.

  • Closing can be completed in as little as 2–3 weeks, depending on appraisal and documentation.

  • Yes, financing is available for qualifying short-term and vacation rental properties.

  • Yes, a property appraisal is required to confirm market value.

  • Prepayment penalties may apply depending on the loan program chosen.

  • No minimum DSCR is required for qualification, making it more flexible for investors.

  • Not always. Foreign nationals may qualify depending on documentation and program availability.

TAKE THE NEXT STEP IN YOUR INVESTMENT JOURNEY

GET STARTED WITH YOUR BUY AND HOLD LOAN TODAY


 Contact Sprint Lending to see how our Buy and Hold loans can support your long-term strategy and help grow your portfolio.

Fill out an application and get pre-approved!*

*Initial application does not pull credit.
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