Master the Debt Service Coverage Ratio
Your central hub for scaling real estate portfolios
DSCR Calculator
Core Property Types:
Short-Term Rental Friendly
Does Your Property Actually Qualify?
Use the calculator below to instantly see if your rental income supports the loan.
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Single-Family Homes (SFR)
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2–4 Unit Properties (Duplex, Triplex, Fourplex)
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Condos (Non-warrantable sometimes allowed)
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Townhomes / PUDs
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Airbnb / VRBO properties
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Vacation rentals
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Furnished rentals
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Many lenders will accept the higher of historical rents or AirDNA market rents.
DSCR Loan Requirements
What Is a DSCR Loan?
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Credit score typically 640+
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Loan-to-value up to 80–85%
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Property must generate rental income
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DSCR typically 0.75 – 1.25+ (varies by lender)
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Zero Ratio Loans are also available
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“A DSCR loan qualifies the property’s income, not your personal income.”
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Simple formula:
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DSCR = Rental Income ÷ Monthly Payment i.e.
$2,500 / $2,000 = 1.25
Not sure what numbers to use? Submit your scenario and we’ll walk you through it
Real-World Results
AirBNB Condo Rental Property Purchase
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Purchase Price: $400,000
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Loan Amount: $320,000 (80% LTV)
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Interest Rate: 6.75%
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Term: 30 years
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Annual Rent:
$3,000
Gross Monthly Rent
Strategic investment requires financing that moves at the speed of the market. Our DSCR solutions evaluate the property's rental capacity rather than the investor's individual tax returns, bridging the gap between portfolio ambition and traditional lending hurdles. This project in Dallas exemplifies how professional investors use asset-qualified debt to expand their real estate footprints with precision.
1.25 DSCR
COVERAGE RATIO
21 Days
TIME TO CLOSE
Expert Answers to Common DSCR Questions
How does a DSCR loan differ from a conventional mortgage?
Conventional mortgages qualify borrowers based on personal debt-to-income (DTI) and employment history. DSCR loans focus exclusively on the property's ability to cover its own principal, interest, taxes, insurance, and dues (PITIA) using rental income capability.
Can I use short-term rental income for qualification?
Yes. Many of our DSCR programs are optimized for short-term rentals (STRs). We can often utilize historical nightly revenue data or professional market projections to verify that the asset meets the required 1.0x coverage ratio.
Is there a limit to how many properties I can finance?
Typically, no. Because DSCR loans are asset-based and do not impact your personal debt capacity in the same way traditional loans do, they are the ideal tool for investors seeking to scale their portfolio rapidly beyond the standard property limits.
No. DSCR financing is essentially 'no-doc' regarding your personal income. We do not require tax returns, W-2s, or employment verification; we focus solely on the property's ability to generate cash flow.
Do DSCR loans require personal tax returns?
How much do I need for a down payment?
Most DSCR loans require 15%–25% down, depending on the property, credit score, and loan program.
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Strong borrowers may qualify closer to 15–20%
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Lower DSCR or unique properties may require 20–25%+