DSCR Investor LendingBefore you fall for this property, run the numbers.
DSCR, cashflow, rate check, refi timing — four tools, one minute, straight answers.
What this checks: whether a rental property qualifies for a DSCR loan and cashflows. DSCR (Debt Service Coverage Ratio) compares the property's rent to its mortgage payment — most lenders want rent to cover 100% or more of that payment.
Property & loan
Enter the deal. We'll give you the DSCR, a straight lend / no-lend read, and what's left over each month.
Your read
Illustrative — final terms depend on full underwriting.
See the full deal breakdown
Get your DSCR report with lender-view notes, the exact payment stack, and what to fix to price better.
Quick Closing
Investor-focused timelines, no personal income underwriting to slow it down
No Income Verification
Qualify based on property cash flow
Competitive Rates
Benchmark your quote against live DSCR pricing with Rate Check
Trusted Lender
Uptiq Premier Mortgage, LLC — licensed DSCR lender, NMLS #2362651
Understanding DSCR Loans
How Do You Calculate Your DSCR?
Your DSCR is the rental income your property generates, divided by your property's debt service. Here's how the Deal Analyzer above works it out:
- Purchase PriceTotal cost of the property
- Down PaymentMost lenders require 20–40%
- Interest RateToday's DSCR loan rate for your profile
- Loan TermTypically 15, 30, or 40 years
- Annual TaxesDefaults to an estimate; edit if you know the real number
- Annual InsuranceLandlord/rental insurance, not homeowner's
- Monthly HOAIf applicable, enter it here
- Gross Monthly RentWhat tenants pay before expenses
The Deal Analyzer instantly turns these into your DSCR, your monthly PITIA, and a qualify verdict.
What Is DSCR?
DSCR measures how well a rental property performs. Above 1.0 means the property earns enough to cover its debt; below 1.0 means it doesn't. Lenders use it to size your loan; investors use it to check if a deal actually works.
What Is a DSCR Loan?
A DSCR loan qualifies you on the property's cash flow, not your personal income or tax returns — which matters most for investors whose write-offs shrink their reportable income. These loans are for investment properties only, not primary residences.
The DSCR Formula
Prefer to work from net operating income instead? NOI = (1 − expenses) × (1 − vacancy) × gross rent — that's exactly what the Cashflow Forecast tool factors in for you.
How to Improve a Low DSCR
- Raise rent to market rate
- Increase your down payment
- Shop for lower taxes/insurance
- Refinance into a better rate
Not sure which lever matters most for your deal? Check it with Rate Check or Refi vs. Wait below.
How DSCR Impacts Loan Approval
That's why we built four calculators, not one — Deal Analyzer for qualifying a purchase, Rate Check for pricing, Refi vs. Wait for timing, and Cashflow Forecast for real-world numbers after reserves.