DSCR Loans in Washington D.C.

A DSCR loan lets Washington D.C. rental investors qualify based on the property's rental income instead of personal tax returns. G Elite Capital offers 30-year fixed DSCR loans across Washington D.C., including Capitol Hill, Georgetown, Dupont Circle and every serviced metro. Long-term rentals, short-term rentals, and mid-term corporate housing are all eligible — as are LLCs, LPs, and portfolios with 10+ financed doors.

Why investors choose G Elite Capital for DSCR Rental Loans in Washington D.C.

• No W-2s, tax returns, or DTI calculations
• 30-year fixed, ARM, and interest-only options
• Unlimited financed properties allowed
• Close in the name of your LLC
• Short-term rentals (Airbnb/VRBO) qualify at market rent
• Cash-out refinance up to 80% LTV

Washington D.C. DSCR Rental Loans — Program Terms

Loan Amount

$100K – $3.5M

Max LTV

80% purchase / 75% cash-out

Term

30-year fixed

Rates From

6.99%

DSCR Min

0.75 (no ratio available)

Credit Min

640 FICO

Cities we lend in across Washington D.C.

Capitol Hill, Georgetown, Dupont Circle, Adams Morgan, Navy Yard, and every other Washington D.C. market.

Frequently asked questions

What is a DSCR loan and how does it work in Washington D.C.?

A DSCR loan qualifies you based on your Washington D.C. property's monthly rent divided by its PITIA (principal, interest, tax, insurance, HOA). If that ratio is 1.0 or higher, the property pays for itself and you qualify — no personal income verification required.

What DSCR ratio do I need in Washington D.C.?

A DSCR of 1.0 or higher unlocks the best pricing. We offer programs down to 0.75 DSCR and "no ratio" loans for Washington D.C. short-term rentals or premium markets where cash flow is tight but appreciation is strong.

Can I use a DSCR loan for short-term rentals in Washington D.C.?

Yes. We qualify Airbnb and VRBO properties in Washington D.C. using AirDNA or 12-month rental history. Beach, mountain, and vacation markets across Washington D.C. are all eligible.

Can I close a Washington D.C. DSCR loan in my LLC?

Yes — and we recommend it. Closing in an LLC in Washington D.C. keeps the loan off your personal credit and separates asset protection between properties.

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