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DSCR Financing for Real Estate Investors
DSCR financing for purchasing, refinancing, and accessing equity in investment properties — structured around the property's income rather than traditional personal-income qualification.
Programs, rates, terms, eligibility and approval are subject to lender guidelines and borrower/property qualifications.
DSCR financing evaluates a property's rental income relative to its debt obligations, offering investors an alternative path to qualification for investment real estate. Specific guidelines, ratios, and terms vary by lender and scenario.
Financing structured around the property's rental income and cash flow potential, rather than personal income documentation alone.
Designed for non-owner-occupied rental property — from a first single-family rental to an established portfolio.
Many DSCR lenders accommodate LLC or business-entity ownership, a common structure for real estate investors.
One financing approach that can support acquisition, rate/term refinance, and equity access as your portfolio evolves.
Acquire your next long-term or short-term rental with financing structured around the property's projected income.
Restructure an existing loan on a rental property to pursue different terms as your strategy or the market shifts.
Access equity from a property you already own to fund your next acquisition or reinvest in your portfolio.
A repeatable financing approach for investors scaling from a single rental to a multi-property portfolio.
No lengthy traditional mortgage paperwork up front — just a clear sense of your property and goals so we can identify financing structures worth exploring.
Share the basics — purchase or refinance, property type, rental strategy, and where things stand today. Takes a few minutes.
A loan specialist reviews your scenario against available DSCR programs and follows up with financing options to consider.
Once you choose a direction, we help guide the scenario through documentation, underwriting, and toward closing.
The Debt Service Coverage Ratio compares a property's rental income to its applicable debt obligation. It's a way of asking: does this property's income cover what it costs to finance?
The General Concept
Depending on the loan methodology, the debt obligation may include principal, interest, taxes, insurance, and HOA dues. This is a general illustration — not a specific lender's underwriting formula.
Enter a property's rental income and monthly expenses to get an estimated DSCR right now. It's a starting point for the conversation, not a lending decision.
Educational Estimate
Estimated DSCR
Enter the property's rental income and at least one monthly expense above to see an estimated DSCR.
This calculator provides an estimate for informational purposes only. Individual lenders may calculate DSCR differently and may use different qualifying income, expense, vacancy, debt-service, and underwriting assumptions. Results do not constitute a loan offer or approval.
More Ways We Can Help
Financing evaluated on a rental property's income rather than personal income — our primary focus.
Learn moreReal-estate-backed financing for time-sensitive or investment-focused transactions.
Learn moreFinancing solutions for qualifying commercial real estate transactions.
Learn moreFinancing for qualifying properties that combine residential and commercial uses.
Learn moreTraditional mortgage financing options for qualifying borrowers and properties.
Learn moreWork with someone who reviews your scenario directly rather than navigating a generic call center.
Our process is built around investment property scenarios — purchase, refinance, and cash-out — not owner-occupied lending.
Answer questions about the property and your goals in one guided flow instead of a lengthy traditional application.
Once you submit your scenario, a loan specialist reviews it and follows up with next steps.
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property financing that's evaluated primarily on the property's rental income relative to its debt obligations, rather than the borrower's personal income or employment history. It's commonly used by real estate investors purchasing or refinancing rental property.
DSCR is generally calculated as the property's monthly rental income divided by its applicable monthly debt obligation, which may include principal, interest, taxes, insurance, and HOA dues depending on the lender's methodology. A DSCR above 1.0x generally means the property's income covers its debt obligation; the exact calculation and any minimums vary by lender.
Many DSCR lenders will consider either current lease income or estimated market rent (often supported by an appraiser's rent schedule), depending on the property and scenario. Availability and requirements vary by lender.
DSCR financing is frequently used by investors who hold property in an LLC or other business entity. Whether entity ownership is available — and any related requirements — depends on the specific lender and loan program.
Tell us about the property and your goals — a loan specialist will follow up with financing options to consider.