Enter a property address and run the analysis to calculate your DSCR score.
What is a DSCR loan? A DSCR (Debt Service Coverage Ratio) loan qualifies you based entirely on the property's projected rental income — not your personal income, tax returns, or employment history. It is specifically designed for real estate investors. Lenders divide the monthly rent by the monthly mortgage payment to determine if the property can service its own debt. A ratio of 1.0 or above means the property pays for itself.
Other financing options worth exploring: DSCR is just one tool. Depending on your situation, there are other investor-friendly loan programs that may improve your qualification — including options with reduced down payments, portfolio loans that bundle multiple properties, bridge loans for value-add opportunities, and certain government-backed programs that can be used strategically for house hacking or mixed-use properties. Some structures can significantly reduce the capital required upfront. Consult with Gabriela before assuming a property does not work financially — the right financing structure can change the numbers entirely.
