Tell us about your investment property and get matched with vetted, independent DSCR lenders who lend across California and Arizona — from single-family rentals to short-term rental portfolios.
See My DSCR Loan Options →Estimate your ratio before you talk to a lender.
Open Free DSCR CalculatorA DSCR of 1.0 or higher generally means the property's rental income covers its debt payments.
Purchase or refinance, property type, location, and estimated rental income.
Your information is shared with lending partners in our network who actively fund DSCR loans in your market.
Participating lenders reach out directly with program options so you can compare terms.
Lenders evaluate the subject property's rental income against its monthly debt obligations — not your personal tax returns or employment history.
Because approval isn't tied to personal debt-to-income limits, many investors use DSCR loans to acquire multiple properties in the same year.
Many DSCR programs allow closing in an LLC or other business entity, which is common among investors for liability and tax planning reasons.
Debt Service Coverage Ratio — a measure of whether a property's rental income covers its monthly mortgage payment (principal, interest, taxes, insurance, and HOA if applicable).
Most DSCR programs do not require W-2s, pay stubs, or tax returns. Underwriting instead centers on the property's cash flow and your credit profile. Requirements vary by lender.
Many lenders in our network work with short-term and mid-term rental properties, often using projected or market-rate rent rather than only signed lease income.
No. The DSCR Resource Center is a marketing and matching service. We connect you with independent, third-party licensed lenders who make all credit and underwriting decisions.
It takes about two minutes. There's no cost, no obligation, and checking your options does not require a hard credit pull.
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