How DSCR works
Qualifying rent is compared to the property's PITIA (principal, interest, taxes, insurance, and association dues). Lender definitions and thresholds vary—there's no single universal qualifying ratio.
What DSCR is not
It is not guaranteed approval and it is not a "no documentation" loan. Reserves, property eligibility, appraisal, and rent analysis still apply.
Paths available
Purchase
Finance an investment property purchase with rental cash flow as a qualifying factor, subject to program guidelines.
Eligible refinance
Rate-term and cash-out refinance paths where eligible, subject to program limits and property requirements.
Realistic caveats
- · Cash flow and reserves are reviewed
- · Property eligibility varies by program
- · Appraisal and rent analysis apply
- · Prepayment penalties may apply—read the terms
- · Debt-service obligations affect your ratios
Model your deal first
Use the investor cash-flow and DSCR calculator, book an investor consultation, or apply through the general portal.