DSCR Loan Calculator: How Lenders Evaluate Your Rental Property
Quick answer: A DSCR loan qualifies a rental on the property’s own cash flow, not your personal income. For 1–4 units it’s monthly rent ÷ monthly PITIA; for 5+ units and commercial it’s NOI ÷ annual debt service. A 1.25+ ratio earns the best pricing and leverage; 1.00–1.24 qualifies at most programs; below 1.00 needs […]
