DSCR lenders qualify the property, not your tax returns. Enter rent, expenses and loan terms to see your coverage ratio and whether it clears the typical 1.10x threshold.
Breaks even. Possible on some programs with more down payment and reserves.
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DSCR divides the property's income by its debt service. Most programs want 1.10x or better, meaning rent covers the payment with roughly 10% to spare. Some lenders will go to 1.00x, or lower, with a larger down payment and stronger credit.
Include taxes, insurance and HOA in the payment if your lender uses PITIA — most do. Management fees and maintenance reserves are sometimes excluded, which is why two lenders can compute different ratios from identical numbers.
The reason investors use DSCR at all: no tax returns, no W-2s, no debt-to-income calculation. Heavy depreciation on your Schedule E stops being a problem, and portfolio growth stops being capped by personal income.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score
