DSCR loans qualify on the property's rental income — not your tax returns. The calculator runs the same ratio underwriters run: monthly rent divided by full PITIA (principal + interest + taxes + insurance + HOA). 1.25 or higher usually gets the best rate. Below 1.0 needs a specialty program.
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Different lenders set different DSCR floors (some 1.0, some 1.10, some 1.20). Best rates usually start at 1.25. Below 1.0 is possible on specialty programs but expect a bigger down payment and a higher rate.
Calculator output is informational, not a quote. Actual qualifying requires full underwriting and an appraisal that establishes market rent. Rates and programs subject to change without notice.
The ratio tells you whether the property pencils. The next step is matching it to a specific lender's overlay — some accept 1.0 minimum, some require 1.20, and rate tiers shift sharply at each band. A 30-minute strategy call confirms the program before you write the offer.
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The rent comfortably covers PITIA with a buffer for vacancy and maintenance. Most DSCR lenders give you the best rate tier here. This is also where the property starts to make sense as a long-hold rental, not just on paper.
Rent covers the mortgage but barely. Most lenders will still fund — often at a small rate pickup. The bigger question is operational: a single vacant month or a major repair can flip you cash-flow negative for the year. Make sure the reserves are real.
The rent does not cover the loan payment. Some lenders will still fund below 1.0 (usually requiring 30%+ down and a higher rate), but you're betting on appreciation or future rent increases to make the deal work. That's not a financing decision — that's a market call.
For the qualifying ratio itself, no — DSCR loans qualify on the property's rental income. Your personal credit, your reserves, and your landlord experience still matter for the file. But tax returns are not used to calculate income, which is the main reason self-employed investors and portfolio owners gravitate to DSCR.
For a purchase, lenders use the lower of (a) the 1007 market rent on the appraisal and (b) any in-place lease. For a refinance on a property you already own, they'll typically use the actual lease. If you're not sure what a property will rent for, we can run a quick rent comp before you write the offer.
Yes. Most DSCR programs allow vesting in an LLC or a living trust. This is one of the main reasons investors choose DSCR over conventional Fannie/Freddie investor loans — conventional almost always requires an individual borrower.
Most DSCR programs start at 20% down for strong DSCR (1.25+), with 25-30% on borderline ratios. Some programs go down to 15% for very strong cash-flow properties, but they're not the norm. Larger down payments improve both the DSCR (lower P&I → higher ratio) and the pricing tier.
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If the DSCR comes out at 1.20+, the next move is a 30-minute call to size the loan, confirm down payment, and lock in a rate window. We'll tell you exactly which DSCR program is the best fit before you sign anything.
Book My Investor CallFree 30-minute strategy call. No hard credit pull on the initial call. No obligation. Just the math.