
DSCR Loan Qualifier
Instant Debt Service Coverage Ratio Calculator
Real estate investors: Find out if your property qualifies for a DSCR loan in seconds. No personal income required — just rental income vs mortgage payment.
Calculate Your DSCR Loan Qualification Instantly
Your Debt Service Coverage Ratio (DSCR):
Most lenders require DSCR ≥ 1.0 (some allow 0.75 with reserves)
Get Your Full DSCR Pre-Approval & Custom Rates
DSCR Loan Qualifier: Frequently Asked Questions
What is a good DSCR for investor loans?
≥ 1.25 = Excellent (best rates), ≥ 1.0 = Strong, ≥ 0.75 = Qualifies (may need reserves or lower LTV).
Does the DSCR calculator include reserves or vacancy?
No — this is gross DSCR. Lenders typically use gross rent (no vacancy factor) for qualification.
Can I qualify with a DSCR below 1.0?
Some programs allow down to 0.75 with strong reserves, credit, or experience.
How accurate is this DSCR qualifier?
Very accurate for initial screening. Final qualification depends on full underwriting.
Ready to Close Your Next Investment Property?
No personal income docs • Fast funding • Multiple properties welcome
Run Your DSCR Qualification AgainDSCR RENTAL LOANS
Jhenesis Mortgage offer 30-Year Rental Loans based on debt-service coverage ratio (DSCR) for new purchases and refinances. Shorter timeline? No prepay options available. Preserve optionality with the security of a 30-year fixed interest rate loan with reduced prepay duration.
- Ask about our Price-Beat Guarantee
- Get your quote within 24 hours
- Competitive financing nationwide
