Investor Resources
← Back to ResourcesDSCR (Debt Service Coverage Ratio) loans are designed for investment properties. Lenders use the property's rental income—not your personal income—to qualify. Most lenders require a DSCR of 1.0 to 1.25.
Property & Loan
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Monthly Income
$
Annual Expenses
$
$
$
DSCR Analysis
Your DSCR (Full PITIA)
1.43
Qualifies with most lenders
DSCR (P&I Only)
1.91
Some lenders use this method
Monthly Rent
$2,000
✓ Strong qualification
DSCR of 1.25+ qualifies with most DSCR lenders
Loan Details
Loan Amount
$150,000
Down Payment
$50,000
Monthly P&I
$1,049
Total Monthly (PITIA)
$1,399
Maximum Loan Amounts
Based on your rent and expenses, here's how much you could borrow at different DSCR thresholds:
Max Loan at 1.0 DSCR
$235,979
Minimum qualification
Max Loan at 1.25 DSCR
$188,783
Conservative qualification