DSCR loans qualify the property, not you. Enter the monthly rent and the full monthly payment (PITIA) to see your debt-service-coverage ratio and the loan tier it lands in — the same number a rental-property underwriter starts with.
Illustrative only. DSCR thresholds, minimum ratios, and pricing vary by lender and program. This is not a pre-approval, quote, or offer of credit.
Most lenders price in tiers — a higher ratio unlocks better rates and lower reserve requirements. Approximate guidance; overlays apply.
A DSCR at or above 1.00 means the rent at least covers the payment, which is the bar most lenders set. At 1.25+ you’re in the best-pricing tier; below 1.00 you’re into no-ratio territory, where a bigger down payment and extra reserves stand in for the missing cash flow. For the full mechanics — who DSCR loans fit, rates, reserves, and how they compare to other options — read the DSCR loans guide.
Lenders that publicly market DSCR loans: Angel Oak Mortgage Solutions · Griffin Funding · Kiavi · LendingOne · Lima One Capital · Visio Lending. Listed alphabetically as factual reference — not ranked, not sponsored.
DSCR (debt-service-coverage ratio) is the property's monthly rent divided by its total monthly payment (PITIA). A 1.25 DSCR means the rent covers the payment 1.25×. DSCR lenders qualify the property's cash flow instead of your personal income.
Most DSCR lenders want at least 1.00 — the rent covering the payment. 1.25+ unlocks the best pricing and lowest reserves. Some no-ratio / DSCR<1 programs go below 1.00 in exchange for a larger down payment and more reserves.
DSCR = monthly market rent ÷ PITIA, where PITIA is principal + interest + property taxes + insurance + any HOA dues. For short-term rentals, lenders may use projected income from a rent schedule or AirDNA-style data instead of a long-term lease.
No. That's the point — a DSCR loan qualifies on the property's rent, not your tax returns, W-2s, or pay stubs, which makes it popular with self-employed and full-time real-estate investors.