November 2025 Update – Rates from 6.75%. Use rental or 75% of Airbnb income. Close in 14 days.
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Enter ZIP + rent → see your exact max loan, rate, and cash-on-cash return before you talk to a lender. 🚀 SHOW MY DSCR LOAN NOW
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What Is a DSCR Loan Qualifier?
A DSCR loan qualifier is a 60-second calculator that proves your rental property pays for itself—no W-2s, no tax returns, no personal DTI.
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DSCR = Monthly Rent ÷ PITIA
(PITIA = Principal + Interest + Taxes + Insurance + HOA)
- 1.25x = Best rate & 80% LTV
- 1.00x–1.24x = Approved (5–10% rate bump)
- <1.00x = Add 5% down or use short-term rental gross-up
Live Example (Orlando ZIP 32819)
- Rent: $2,800
- Price: $425,000 → $340K loan @ 7.25%
- PITIA: $2,799
- DSCR = 1.00x → FUNDED
General DSCR Loan Qualifications
| Requirement | Minimum | Pro Tip |
|---|---|---|
| Credit Score | 620 | 680+ drops rate 0.5% |
| Down Payment | 20% | 15% with 1.25x DSCR |
| DSCR Ratio | 1.00x | 1.10x unlocks 80% LTV |
| Reserves | 3–6 months PITIA | Cash or 401k OK |
| Property Type | 1–4 units, warrantable condo, short-term OK | Airbnb = 75% of gross |
| Experience | First-time OK | 2+ deals = better pricing |
No personal income verified – ever.
FAQ
1. What credit score do I need for a DSCR loan?
620 minimum. 680+ gets prime rates.
2. Can I qualify with a 1.0 DSCR?
Yes—add 5% down or close in an LLC.
3. Do DSCR loans need tax returns?
Never. Rental income only.
4. How fast do DSCR loans close?
14–21 days. Appraisal + lease = done.
5. Are short-term rentals allowed?
Yes—use 75% of AirDNA gross rent.
6. What if my property is vacant?
Appraiser’s Form 1007 sets market rent.
7. Can foreigners get DSCR loans?
Yes—no U.S. credit needed.
8. What’s the max loan amount?
$5 million (portfolio lenders).
9. Is there a prepay penalty?
Most: 6–12 months interest only.
10. Can I refinance a DSCR loan?
Cash-out at 75% LTV after 6 months.
11. Do I need reserves?
12. Can I put the property in an LLC?
Day-1 LLC transfer allowed.