DSCR cheat sheet
DSCR loans, on one page.
Rental financing qualified on the property's income rather than your personal income.
01
The formula
- DSCR = monthly rent ÷ monthly PITIA
- PITIA = principal, interest, taxes, insurance, association dues
- Example: $3,150 rent ÷ $3,000 PITIA = 1.05x
02
Our DSCR program
- Loan size $75K–$2MM
- 30-year term
- Up to 80% LTV purchase / rate-term, 75% cash-out
- Minimum 1.05x DSCR
03
Requirements
- Borrow in an entity (LLC or corporation)
- 90-day seasoning for refinances
- Eligible residential investment properties
04
Have ready
- Leases or market rent estimate
- Entity documents
- Tax and insurance figures
- Property address and value
General guidance only. Not a commitment to lend; all loans subject to underwriting approval.