About the Solution

 

Investing in long-term rentals means building a foundation of financial freedom, consistent cash flow, and lasting wealth. It’s a smart approach that lets your properties work for you while you focus on expanding your portfolio.

At Bach Funding, we believe Every investment MATTERS.

 

Bach Funding empowers buy-and-hold investors with fast, flexible, and investor-first financing—helping you scale, earn steady cash flow, and build lasting wealth with ease.

Talk to Relationship Manager

Flexible Loan Terms

Choose from interest-only payments, longer amortization, and high loan limits.

Perfect for Self-Employed Borrowers

Avoid complex paperwork and enjoy a smoother application process.

Portfolio Expansion

Use property cash flow to secure more investment opportunities with minimal restrictions.

Who Benefits from DSCR?

Real Estate Investors

Qualify using rental income to grow your property portfolio.

Self-Employed Borrowers

No need for tax returns; approval based on property cash flow.

Vacation Rental Owners

Use Airbnb or vacation rental income to scale faster.

Portfolio Investors

Reinvest profits to expand holdings with simple underwriting.

Bach Funding Process

Find Out How Much You Can Borrow

Know your budget and get pre-approved for stronger offers.

Select the Right Loan Program

Choose between fixed or adjustable rates to match your goals

Apply for a Loan

Submit your application to start the approval process.

Begin Loan Processing

We verify income, credit, and property details.

Close Your Loan

Sign final papers and get your keys!

Frequently Asked Questions (FAQ)

Quick answers to questions you may have.
How does a DSCR Loan work?

A DSCR (Debt Service Coverage Ratio) Loan qualifies you based on rental income instead of W-2s, making it easier for investors to scale their portfolios.

What DSCR ratio do lenders typically require?

A DSCR (Debt Service Coverage Ratio) Loan qualifies you based on rental income instead of W-2s, making it easier for investors to scale their portfolios.

What credit score is needed for a DSCR loan?

Most lenders require a minimum credit score of 620–660, though higher scores get better rates.

What are the loan terms and interest rates like?

Terms typically range from 30-year fixed to 5–10-year ARMs, with competitive interest rates.

Why choose a DSCR loan over traditional bank financing?

DSCR loans offer faster approval, less paperwork, and greater flexibility — ideal for investors.

Do I need income verification or tax returns?

No. DSCR loans focus on property cash flow, so no W-2s or tax returns are required.

Do I need prior experience to qualify?

No. While experience can help, we work with first-time and experienced investors alike.