A DSCR lender asks one question: does the property's net operating income cover the loan payment? This computes that ratio from your numbers and inverts it to show the largest loan a target ratio would support.
The underwriting is on the property, not on your personal income: no tax returns, no debt-to-income test. The lender sets a minimum ratio and a maximum loan-to-value, and the loan is sized by whichever of the two binds first. Rates, minimum ratios and LTV caps vary by lender, by state, by property type and by the day — this page publishes none of them and does not estimate them.
Lenders in our directory who list DSCR · back to the lending hub
Every figure on this page is computed from the numbers you type in. Nothing here is an appraisal, a loan offer, a rate quote, a tax opinion, or legal advice.
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