Let the property qualify itself.
A DSCR loan is underwritten on the deal's Debt Service Coverage Ratio — the rent versus the payment — not your W-2 or tax returns. It's how serious investors scale past the conventional 10-property ceiling.
- Buy-and-hold investors
- Self-employed buyers
- Portfolio scaling
- LLC purchases
Built to do what conventional financing can't.
No personal income docs
No pay stubs, W-2s, or tax returns. Qualification rests on the property's rent covering its debt service.
Close in an LLC
Title and finance the property in your business entity to keep liability and bookkeeping clean.
No property-count cap
Conventional financing tops out around ten mortgages. DSCR programs don't — finance as many doors as the numbers support.
Priced on the ratio
A DSCR at or above 1.25x typically earns the best pricing. The calculator shows exactly where your deal lands.
Does this deal cover its debt?
DSCR ratio
Qualify on the property's cash flow, not your personal income.
Debt service coverage ratio
1.22x
Qualifies — covers debt service (≥ 1.00x).
Good to know.
What DSCR do I need to qualify?+
Most programs want a ratio of at least 1.0 (rent covers the full payment), with the best pricing at 1.25x and above. Some lenders will go below 1.0 with a larger down payment.
How is DSCR calculated?+
It's the property's monthly rent divided by its full monthly payment including principal, interest, taxes, insurance, and any HOA (PITIA). A 1.25x ratio means rent is 125% of the payment.
What down payment is required?+
Typically 20–25% down, depending on the DSCR, property type, and your credit. A larger down payment improves the ratio and the rate.
Can I use short-term rental income?+
Many DSCR lenders now accept projected or actual short-term rental income. Underwriting and documentation differ from long-term leases — we'll match you to the right program.
Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.