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We focus on the property’s ability to generate income. Personal DTI is not a factor.
From single-family homes to 2-4 unit properties and condos. Short-term rentals eligible.
Tiered pricing rewards high DSCR and strong credit with institutional-grade rates.
DSCR loans use property income — not personal income — to qualify, so investors can grow portfolios without W-2 income verification.
The ratio of a property’s rental income to its loan payment. A DSCR of 1.22 means the property earns 22% more than needed to cover the monthly payment. Most lenders require at least 1.15–1.20.
How much you’re borrowing vs. the property’s value. 75% LTV means a 25% down payment. Lower LTV = less risk for the lender, which often means a better rate.
Your rate is calculated based on DSCR, LTV, property type, and FICO score.