Who is this loan right for?
DSCR Mortgage Loans are ideal for real estate investors who want to purchase or refinance rental property based on the income the property generates rather than personal income alone.
Benefits of this loan program
- Investment‑focused: Qualification driven by property cash flow.
- Less reliance on personal income: Ideal for investors with multiple assets.
- Supports portfolio growth: Helps borrowers scale investment real estate.
General eligibility requirements
- DSCR ratio typically of at least 1.0–1.2 (rent covers mortgage payment).
- Credit score per lender guideline (commonly 620+).
- Verifiable rental income documentation (leases, rent rolls).
- Property appraisal confirming income potential.
Check out what your investor ratio is by using our DSCR InvestorMortgageCalculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
The DSCR for this loan is
Monthly Payments
Principal & Interest (P&I)
$Taxes & HOA
$Homeowners Insurance
$Debt Service Coverage Ratio(Rental Income / Mortgage Payment)
Rental Income$3,000
Monthly Mortgage$3,000
DSCR0.90
Estimated Taxes & InsuranceProperty taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
Estimated Payment$ /mo
Loan amount
$
Down payment
$
Interest rate
Loan term
Property tax
Homeowner's insurance
$
HOA dues
$
Payment Breakdown
Amortization
Principal vs. Interest
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
- Principal payments: $$240,000 (the amount borrowed)
- Interest payments: $$297,554 (the cost of borrowing)
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