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Common Questions

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of mortgage for investment properties that qualifies borrowers based on the property's rental income rather than personal income.

What DSCR ratio do I need to qualify?

Most lenders require a minimum DSCR of 1.0 to 1.25. A DSCR of 1.25 or higher indicates the property generates 25% more income than needed to cover the loan payment.

How is DSCR calculated?

DSCR = Net Operating Income (NOI) / Annual Debt Service. NOI is calculated as annual rental income minus operating expenses (excluding mortgage payments).