The Debt Service Coverage Ratio (DSCR) is the single most important number in rental property lending. It tells lenders whether your property's income can cover the mortgage payment — and it's how we qualify borrowers instead of using tax returns, W-2s, or personal income verification.
Use our free calculator below to find your DSCR instantly. A ratio of 1.0x means the property breaks even. Most of our programs require a minimum 1.2x DSCR, meaning 20% more income than the debt payment.
DSCR Loan Calculator
Calculate your Debt Service Coverage Ratio instantly
Property Income
Operating Expenses (Monthly)
Debt Service
Your DSCR
1.41x
Qualifies
Program Qualification
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DSCR = Net Operating Income ÷ Annual Debt Service
1.2x or above qualifies for most programs. Below 1.0x? Our No-Ratio DSCR program has you covered.
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Whether your DSCR is 1.5x or 0.8x, we have a loan program that works. Call us to discuss your specific property and get a rate quote in minutes.
DSCR Loan Programs
Every loan program we offer uses DSCR-based qualification — no tax returns, no W-2s. Pick the program that fits your strategy and use the calculator above to see where your property stands.
No-Ratio DSCR Loans
No minimum DSCR required. Qualify on LTV and credit score alone — even if the property doesn't break even.
5 & 10 Year Fixed Rate
Blanket loans for 3+ properties. 1.2x DSCR minimum. $300K–$50M with 30yr amortization.
30/30 Single Property Loan
30yr fixed, 30yr amort, no balloon. Finance one property at a time from $75K–$5M+.
30 Year Program
Flexible 5, 10, or 30yr fixed terms for single or blanket portfolios. 640 min FICO.
Short-Term Rental / Airbnb Loans
DSCR loans for Airbnb and vacation rentals using projected STR income.
Stated Commercial Investor
Stated income investor loans for commercial rental properties. Cash flow-based underwriting.
Blanket & Multifamily Loans
Consolidate multiple properties or finance apartment buildings under one DSCR-qualified mortgage.
Refinance Rental Portfolio
Cash-out refinance your existing rental portfolio. DSCR-based with unlimited cash out.
Learn More About DSCR Lending
Explore our articles and guides that cover DSCR qualification, loan comparisons, and investment strategies for rental property investors.
Ready to Get Your DSCR Loan?
You've calculated your DSCR — now let's put it to work. Apply online or call us for a rate quote based on your property's specific numbers. No application fees, no obligation.