Investor scenario guide
DSCR Loan Cash to Close: Reconcile Every Major Line
Cash to close is more than the down payment. A useful purchase estimate separates the price and loan amount from points, other loan and settlement costs, prepaid interest, insurance, escrows, deposits already paid, and written credits. Use the worksheet below to build a transparent estimate, then replace each input with the provider's and settlement agent's current itemization.
Cash-to-close worksheet
Reconcile the money required at closing
Separate the down payment from points, other loan and settlement costs, prepaids and escrows, then subtract deposits and written credits. Use the provider's and settlement agent's itemized figures before wiring funds.
- Modeled down payment
- $87,500
- Modeled points
- $5,250
- Total modeled closing items
- $17,250
- Deposits + credits
- $5,000
- Estimated cash to close
- $99,750
Business-purpose DSCR transactions may use different disclosures and categories than a consumer mortgage. Title, transfer taxes, insurance, prepaid interest, escrows, prorations, reserves, appraisal, legal, entity, broker, provider, and wire amounts vary. Independently confirm wire instructions with the settlement agent using a trusted phone number.
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?
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- Loan amount
- $262,500
- Monthly P&I
- $1,835
- PITIA / mo
- $2,335
- Rent minus PITIA / mo
- $565
- Simplified cap rate*
- 8.2%
- Max loan @ 1.25
- $260,292
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Reduce the modeled loan to about $260,292 (74.4% LTV) to reach DSCR 1.25. This means borrowing roughly $2,208 less.
- ▸Buying the rate down to about 7.4% (from 7.5%) would lift DSCR to 1.25 at the same loan size.
- ▸Rent would need to be about $2,919/mo ($19 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.