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Debt Service Coverage Ratio Calculator (DSCR Calculator)
Frequently asked questions
How is the DSCR calculated?
The DSCR is calculated by dividing the property's annual net operating income by its annual mortgage debt service.
Can I use a DSCR Loan to refinance an existing rental property?
Yes, DSCR Loans can be used for both purchasing new rental properties and refinancing existing ones.
What is the minimum DSCR required to qualify?
A minimum DSCR of 1.2 is typically required, but this may vary based on the lender's criteria.
What documentation is needed for a DSCR Loan?
You'll need to provide proof of the property's income and expenses, such as rent rolls and operating statements.
Are there any restrictions on property types for DSCR Loans?
DSCR Loans are typically available for various property types, including single-family homes, multifamily properties, and commercial real estate.
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