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I can connect you with DSCR lenders who close fast and can lend in an LLC.
Talk to David →This calculator is a planning estimate only — not a loan pre-qualification, a rate quote, or a guarantee of approval. DSCR minimums, down payment requirements, interest rates, and terms vary by lender and property type. Confirm your specific numbers with a DSCR lender before making an offer.
It's the metric many lenders use to judge whether a rental property's own income covers its loan payment — without looking at your personal income at all. If you're self-employed, a business owner, or have tax returns that don't reflect your actual cash flow, a DSCR loan lets you qualify on what the property earns instead of what you show on your 1040.
No W-2s, no tax returns, no pay stubs in the typical DSCR file. The property's rent roll does the qualifying, which is why the loan type exists in the first place.
Most DSCR lenders let you take title and close in an LLC, which is part of why investors building a portfolio favor this loan type over conventional financing.
Conventional loans generally cap out around ten financed properties. DSCR lenders typically don't apply that same limit, though every lender sets its own portfolio and exposure rules.
Many DSCR products offer 30-year fixed terms, giving buy-and-hold investors long-term payment stability — though the exact terms on offer vary lender to lender.
DSCR = Monthly Rental Income ÷ Monthly PITIA (Debt Service). A ratio of 1.0 means the property's rent exactly covers the mortgage payment. Many DSCR lenders look for 1.10 or higher, and 1.25+ tends to open up the best rates and terms — but these are common lender guidelines, not universal or guaranteed thresholds. Every lender sets its own minimum ratio, down payment requirement, and rate, so treat this calculator as a starting estimate and confirm your actual numbers with a lender.
These are common benchmarks used across the DSCR lending market, not a single lender's actual underwriting guidelines. Your DSCR loan's real minimum ratio, rate, and down payment will always come from the specific lender you work with.
Your effective rent, vacancy assumption, and monthly PITIA all move the ratio, so it's worth testing a few realistic scenarios above rather than relying on one optimistic run. For the fuller picture on how DSCR loans compare to conventional investment financing, see the Financing & DSCR overview or the DSCR loans explained guide.