DSCR / Rental Loans
Qualify on Rental Income. No Tax Returns Required.
Debt Service Coverage Ratio loans let you qualify based on the property's rental income — not your personal income. Perfect for investors scaling a portfolio.
What is a DSCR Loan?
DSCR = Monthly Rent ÷ Monthly PITI (Principal, Interest, Taxes, Insurance). If your DSCR is 1.0 or above, the property's rental income covers the mortgage. Most lenders target 1.0–1.25+. We work with lenders that go as low as 0.75 DSCR.
Example Scenario
This deal works. Green light.
DSCR Calculator
Run your numbers instantly. Get a full AI analysis and scenario-based pre-approval.
DSCR Calculator
Instant Property Valuation Pre-Check
When you submit a deal, our AI appraisal engine automatically runs a conservative, lender-grade valuation analysis. You get a value range, confidence score, and risk flags — before you even talk to a lender.
As-Is & Stabilized Value Ranges
Low / mid / high estimates using income, sales comparison, and cost approaches.
Confidence Score & Risk Flags
Know where your deal stands before submission. Conservative, lender-first output.
Credit Committee Notes
Internal-grade analysis notes you can use when packaging the deal for lenders.
As-Is Value Range
Key Metrics
NOI Annual
$38,400
Implied Cap Rate
8.4%
Price / SqFt
$212
Methods Used
Income + Comps
Risk Flags (2)
Limited recent comps within 0.5 mi • Vacancy data from 2024 Q3
Frequently Asked Questions
What DSCR do I need?
Most lenders require 1.0+. Some go as low as 0.75 with a higher down payment or rate adjustment. Our AI Scenario Desk tells you exactly where you stand.
Can I use short-term rental income?
Yes. Several of our lenders accept Airbnb and VRBO income. We normalize it using our STR Signal tool to calculate a conservative DSCR.
How fast can I close?
Most DSCR loans close in 14–21 days from clear-to-close. The full process is typically 3–4 weeks from application to funding.
Do I need reserves?
Typically 6–12 months of PITI in reserves. Some lenders accept cross-collateral or gift funds. We'll outline exactly what you need.