Investor scenario guide
Compare DSCR Loan Quotes on the Same Deal
A lower advertised rate does not automatically mean a lower-cost or better-fitting DSCR loan. Normalize each written scenario to the same property value, rent, loan amount, leverage, term, amortization, rate type, closing date, and prepayment assumption before comparing payment and cash to close.
Quote comparison worksheet
Compare payment and upfront lender cost
Enter the same loan amount and amortization for both quotes. The worksheet models principal and interest plus points and stated lender fees; it does not include every closing cost or contract term.
Quote A
- Modeled monthly P&I
- $2,447
- Points + lender fees
- $5,000
Quote B
- Modeled monthly P&I
- $2,388
- Points + lender fees
- $8,500
Quote B's additional modeled upfront cost is recovered after about 59 months of P&I savings.
Also compare prepayment language, rate type and lock, interest-only or balloon features, reserves, escrows, broker compensation, third-party fees, lender credits, cash to close, open conditions, and the provider's current written disclosures.
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.
- Loan amount
- $300,000
- Monthly P&I
- $2,098
- PITIA / mo
- $2,664
- Rent minus PITIA / mo
- $636
- Simplified cap rate*
- 8.2%
- Max loan @ 1.25
- $296,523
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Reduce the modeled loan to about $296,523 (74.1% LTV) to reach DSCR 1.25. This means borrowing roughly $3,477 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 $3,330/mo ($30 above your input) to reach DSCR 1.25 — check comps and any rent-stress add-backs.
About one minute. DSCRDealCheck reviews first; nothing is sent to a lender without the consent shown in the request.
Edit the example and select a state to create a share link.
Request DSCR loan options
Start with four deal facts. We’ll show a preliminary program screen before asking how to contact you. There is no guaranteed match, quote, approval, or response deadline.
About 45 seconds · no obligation · no credit check by this form
You can submit without completing the calculator. We’ll ask for an approximate loan amount and mark the DSCR as not yet calculated.
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
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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–$5,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
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.
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.
- • 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.
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.
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.
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.
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.
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.
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.