INVESTOR GUIDE · TIMELINE
How long does a DSCR loan take?
30 days or less with the right setup. Speed comes from preparation. Most of the work happens before the loan is ever submitted.
The short answer
- We close DSCR loans in 30 days or less with proper setup, structure and preparation.
- Title work or anything that has to be fixed before the loan process starts can extend the timeline.
- Our close rate is 97%, because of the work we do before and during submission.
THE TIMELINE
30 days or less
With proper setup, structure and preparation, we close DSCR loans in 30 days or less. Approvals come back in 24 to 48 business hours. If there’s title work or anything else that has to be resolved before the loan process starts, it can take longer, and we’ll tell you that up front.
WHY IT’S FAST
The work happens before submission
- Setup. Entity, structure and the right loan for your exit, settled on a strategy call.
- Pre-vetting. We check your deal against the lender’s guidelines before anything is submitted.
- One credit pull, good for 120 days, so nothing restarts if we change lenders.
- Appraisal prepared, not just ordered.
- Conditions cleared fast, because we know what the underwriter will ask for.
THE RESULT
A 97% close rate
Proper setup improves the odds of closing, not just the speed. Because of the work we do before and during submission, 97% of the loans we submit close. See what you’ll need in our DSCR loan requirements.
STRAIGHT ANSWERS
Timeline questions
How long does it take to close a DSCR loan?
With proper setup, structure and preparation, 30 days or less. Title issues or work needed before the loan starts can extend that.
How fast is DSCR loan approval?
Approvals typically come back in 24 to 48 business hours.
What slows a DSCR loan down?
Title problems and anything that has to be fixed before the loan process starts. Preparation up front is what keeps a loan on schedule.
KEEP READING
DSCR KINGS · INVESTOR FINANCING
Ready to start the clock?
Tell us about your deal. We’ll set it up right so it closes on time.
Business-purpose loans for investment properties only; not for owner-occupied homes. Lending guidelines, leverage and loan programs vary by lender and by state and are subject to change. Terms and approval depend on the property, the borrower’s credit and capital-partner guidelines and are not guaranteed. Examples are for illustration only.
