DSCR loan calculator
DSCR Loan Requirements (2025)
Here is what investor lenders are actually requiring on DSCR loans in 2025. DSCR loans are business-purpose, RESPA-exempt loans qualified on a rental's cash flow — no personal income or employment verification. Use the calculator below to see whether your property meets the bar.
Most DSCR lenders treat this as a clean, well-qualified file.
- Loan amount
- $225,000
- Monthly P&I
- $1,573
- PITIA / mo
- $1,998
- Cash flow / mo
- $502
- Cap rate
- 8.3%
- Max loan @ 1.25
- $225,253
See your real DSCR rates
Get matched with investor lenders that approve deals like yours. Free, no obligation.
Matching DSCR lenders
Ranked by fit, not by payout.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.
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.
Affiliate disclosure: DSCRDealCheck may receive compensation when you connect with or close a loan through partner lenders. This does not affect your rates and does not change our independent rankings.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Actual rates, terms, and eligibility are determined solely by the lender. DSCR loans shown are business-purpose, RESPA-exempt investor loans. Not financial, legal, or tax advice.