Frequently asked questions
What is a DSCR loan?+
A DSCR (Debt Service Coverage Ratio) loan qualifies rental income against the property's debt service rather than personal income documentation alone. Requirements vary by lender.
What DSCR ratio do lenders typically want?+
Many programs look for 1.0x minimum; 1.25x or higher is often considered stronger. Minimums depend on property type, credit, and reserves.
What counts as monthly PITIA?+
Principal, interest, taxes, insurance, and association dues (if applicable). Use your best estimate of the full housing payment for the loan you are modeling.
Is this calculator a loan approval?+
No. It is an estimate only and not a commitment to lend. Request DSCR options through the form or investor funnel for a scenario review.