Investor scenario guide
Bridge-to-DSCR Refinance: Test the Takeout Before You Buy
A short-term bridge loan can fund an acquisition or renovation, but the exit is not automatic. Before closing the bridge, test whether the stabilized property can support enough long-term DSCR debt to repay the bridge balance and modeled takeout costs. The worksheet below compares an LTV ceiling with a rent-and-DSCR ceiling so the tighter constraint is visible.
Bridge takeout worksheet
Test the DSCR exit against two limits
This models one takeout ceiling from stabilized value and LTV, another from rent and target DSCR, and then uses the lower amount. It helps expose a payoff gap before a provider reviews the property.
- LTV-limited capacity
- $300,000
- DSCR-limited capacity
- $302,721
- Modeled takeout loan
- $300,000
- Binding constraint
- Modeled LTV
- Modeled closing costs
- $6,000
- Cash after payoff + costs
- $29,000
- Modeled payoff gap
- $0
This is not a term sheet or approval. Provider valuation, eligible rent, DSCR method, leverage, seasoning, bridge interest and extension charges, liens, escrows, reserves, credit, property condition, and actual closing costs can materially change the takeout.
Coverage check
Now model the property's DSCR
Example result · edit the inputs before relying on this screen
Estimated rent covers PITIA at these inputs; provider criteria and underwriting still apply.
What property are these numbers for?
One tap — we don't ask for anything else.
- Loan amount
- $300,000
- Monthly P&I
- $2,098
- PITIA / mo
- $2,648
- Rent minus PITIA / mo
- $552
- Simplified cap rate*
- 8.0%
- Max loan @ 1.25
- $287,465
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Reduce the modeled loan to about $287,465 (71.9% LTV) to reach DSCR 1.25. This means borrowing roughly $12,535 less.
- ▸Buying the rate down to about 7.1% (from 7.5%) would lift DSCR to 1.25 at the same loan size.
- ▸Rent would need to be about $3,310/mo ($110 above your input) to reach DSCR 1.25 — check comps and any rent-stress add-backs.
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Free worksheet
Keep a lower-rent scenario with your deal
Use the cash-out calculator to compare base rent with a lower-rent case, then download the assumptions, results and questions for a lender in one CSV. No payment or contact details required.
Open the free comparison →Pro is not currently available for new purchases. This worksheet is a separate free tool.
DSCR lender directory
Published criteria, not an approval.These are the program criteria we track, as each lender publishes them. Nothing here has been screened against a deal yet. Edit the example assumptions and select the property state to see which programs fit your numbers — and note that credit, reserves, appraisal, title, documentation, and provider underwriting are never checked here.
Screen these against your deal ↑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.
- • DSCR floor 0.75, FICO 620+, up to 80% LTV.
- • Loan size $100,000–$4,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: griffinfunding.com · read 2026-09-18
Tech-forward lender with a 30-year fixed DSCR product from a 0.75 ratio — one of the lowest floors here — plus an explicit short-term-rental program and instant online pricing.
- • DSCR floor 0.75, FICO 660+, up to 80% LTV.
- • Loan size $150,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: newsilver.com · read 2026-08-18
Visit New Silver via tracked link →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. Its rental-loan page states that DSCR loans are originated and funded by Figure Lending LLC dba Figure as of 2026-09-01.
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $75,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD, VT.
Source: kiavi.com · read 2026-06-15
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.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD.
Source: easystreetcap.com · read 2026-06-15
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).
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $85,000–$2,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: limaone.com · read 2026-09-18
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.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $100,000–$1,500,000.
- • Short-term-rental income: no program.
Source: angeloakms.com · read 2026-06-15
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • DSCR floor 1.00, FICO 660+, up to 75% LTV.
- • Loan size $100,000–$2,000,000.
- • Short-term-rental income: no program.
Source: newamericanfunding.com · read 2026-06-15
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.
- • DSCR floor 1.10, FICO 680+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: visiolending.com · read 2026-06-15
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.