Instantly calculate your Debt Service Coverage Ratio to see if your investment property deal qualifies for a DSCR loan. No tax returns needed.
DSCR = Annual Rental Income / Annual Debt Service (PITIA)
DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rental income covers its debt obligations. It is the single most important metric lenders use to evaluate investment property loans.
A DSCR of 1.0 means the property breaks even. Above 1.0 means positive cash flow. Most lenders require a minimum DSCR of 1.0 to 1.25. The higher the ratio, the stronger the deal and the better your rate.
DSCR loans are ideal for real estate investors because they qualify based on the property's income, not the borrower's personal tax returns. This means no W-2s, no pay stubs, and no DTI calculations.
Submit it to our team for quick pricing and approval.