Free DSCR estimate · no account required
Estimate a rental property's DSCR. Then review lender options that may fit.
Enter your assumptions to estimate DSCR, PITIA, cash flow, and a maximum-loan scenario. Results are educational estimates—not an approval or rate quote.
Estimated rent is at least 1.25× PITIA at these inputs; provider underwriting still applies.
- Loan amount
- $225,000
- Monthly P&I
- $1,573
- PITIA / mo
- $1,998
- Rent minus PITIA / mo
- $502
- Simplified cap rate*
- 8.3%
- Max loan @ 1.25
- $225,253
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Preliminary matching only. A lender must review credit, property, and documentation.
Request lender options
Share a few details if you want DSCRDealCheck to follow up about potential third-party financing options. Submitting does not guarantee a match, quote, or approval.
Go deeper on any deal
- ▸ Rent stress test — see DSCR at −10%, −20%, −30% rent
- ▸ Save up to 20 deals across sessions
- ▸ Side-by-side comparison of any 2–3 saved deals
- ▸ Export clean PDF of any analysis
Preliminary lender screen
Published criteria, not an approval.This screen compares DSCR, loan size, state, and property type against published program guidelines. It does not yet assess credit, reserves, title, appraisal, or a complete loan file.
Wide DSCR box that will look at ratios as low as 0.75 with compensating factors; a good backstop for marginal deals that other lenders decline.
- • Fits: DSCR floor 0.75, FICO 620+, up to 80% LTV.
High-volume tech-forward lender with fast DSCR closings and a no-income-doc 30-year product; competitive on A/B-class single-family and 2-4 unit.
- • Fits: DSCR floor 1.00, FICO 660+, up to 80% LTV.
Investor-only lender with an explicit short-term-rental DSCR program and a no-ratio option; strong fit for Airbnb deals where long-term rent is thin.
- • Fits: DSCR floor 1.00, FICO 640+, up to 80% LTV.
Established private lender with a 30-year DSCR rental product from a 1.0 ratio and 660 FICO; up to 80% LTV on purchase plus a dedicated Airbnb/short-term-rental program (700 FICO, 1.3 DSCR).
- • Fits: DSCR floor 1.00, FICO 660+, up to 80% LTV.
Non-QM lender with flexible DSCR overlays including sub-1.0 'no-ratio' files; useful when the property does not cover PITIA but the borrower is strong.
- • Fits: DSCR floor 1.00, FICO 640+, up to 80% LTV.
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • Fits: DSCR floor 1.00, FICO 660+, up to 75% LTV.
One of the original DSCR shops; rate/term and cash-out refis on stabilized rentals with a clean, ratio-driven underwrite and a public DSCR calculator.
- • Fits: DSCR floor 1.10, FICO 680+, up to 80% LTV.
Compensation disclosure: DSCRDealCheck may receive payment for partner-link activity, submitted inquiries, accepted leads, or completed loans. Compensation may affect which providers are included or displayed; it does not change the calculator math. Provider underwriting and terms control.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Providers determine rates, terms, eligibility, transaction classification, and applicable requirements. Not financial, legal, or tax advice.
Transparent estimate
The meter uses the same displayed inputs and formula throughout: gross monthly rent divided by estimated PITIA.
Published ranges
Program information is presented as an indicative range, never as a personalized rate quote or commitment.
Program filters
Program cards compare only the listed DSCR, loan-size, state, and property-type criteria. Provider underwriting controls.
Lender match
How matching works
Once your deal is modeled, we compare its estimated DSCR, loan size, selected state, and property type with criteria in our program directory. The result is not underwriting, an approval, or a personalized rate quote. Any compensation relationship is disclosed separately.
Programmatic coverage
DSCR loans by state
FAQ
DSCR loan FAQ
What is a DSCR loan?+
A DSCR (debt service coverage ratio) loan is commonly used for non-owner-occupied investment property. Providers generally compare the property's rental income with PITIA (principal, interest, taxes, insurance, and HOA), while also applying their own credit, reserve, property, and documentation rules.
How do I know if I qualify for a DSCR loan?+
Use the calculator to estimate where the property's rent falls relative to PITIA. A ratio of 1.00 means estimated rent equals estimated PITIA, and 1.25 provides more coverage. The ratio alone does not determine eligibility; each provider performs its own underwriting.
Do DSCR loans require proof of income?+
Many DSCR programs do not use personal W-2 income or tax returns as the primary qualification test. Providers can still require credit, reserves, identity, entity, lease, appraisal, insurance, and other documentation.
What DSCR ratio do lenders want?+
Published program thresholds often begin around 1.00, with some providers advertising different treatment above 1.20 or 1.25. Minimum ratios, pricing, compensating factors, and no-ratio options vary by provider and can change.
Is a DSCR loan a consumer mortgage?+
DSCR programs are commonly intended for non-owner-occupied, business-purpose investment financing. The legal classification and laws that apply depend on the facts of the transaction and the provider's determination. DSCRDealCheck does not make that legal determination.