Rhode Island DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Rhode Island (RI) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Rhode Island median 1–4 unit price of $445,000 and Form 1007 rent of $3,250/mo (1.4% property tax, $540/$100K hazard insurance), a 75% LTV loan models at 1.13x DSCR ($2,884/mo total PITIA).