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Is a DSCR loan right for you?
This loan is ideal for real estate investors who want to qualify based on property income rather than personal income. It works well if you already own or plan to acquire rental properties and prefer a simpler approval process without the need for tax return reviews or traditional income verification.
Benefits of a DSCR Loan
- No personal income verification
- Qualify using rental cash flow
- Faster and simpler approvals
- Ideal for LLCs and business entities
- Supports portfolio growth
DSCR loan terms and eligibility requirements
- Minimum DSCR ratio typically 1.0–1.25+ (varies by lender)
- Loan amounts based on property income and value
- Credit score usually 620+ (higher preferred for better terms)
- Rental income must support monthly mortgage payment
- Available for residential investment properties
Check out what your investor ratio is by using our DSCR Investor Mortgage Calculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
The DSCR for this loan is
Monthly Payments
Principal & Interest (P&I)
$
Taxes & HOA
$
Homeowners Insurance
$
Debt Service Coverage Ratio
(Rental Income / Mortgage Payment)
Rental Income
$3,000
Monthly Mortgage
$3,000
DSCR
0.90
Estimated Taxes & Insurance
Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
Estimated Payment
$ /mo
Loan amount
$
Down payment
$
Interest rate
Loan term
Property tax
Homeowner's insurance
$
HOA dues
$
Payment Breakdown
Amortization
Principal vs. Interest
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.
Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
- Principal payments: $$240,000 (the amount borrowed)
- Interest payments: $$297,554 (the cost of borrowing)
