Investor calculator
DSCR, before you write the offer
Run the ratio in two minutes. Investors who arrive with a coverage figure already calculated negotiate better and close faster, because they know what the financing costs at the moment of offer.
Does the property cover its own payment?
Gross monthly rent divided by principal, interest, taxes, insurance and association dues. One number decides the approval, the price tier and the down payment.
- Loan amount
- $196,000
- Principal and interest
- $1,354
- Taxes, monthly
- $285
- Insurance, monthly
- $115
- Full PITIA
- $1,754
- Minimum down at this tier
- 20%
- Monthly cash flow before vacancy and repairs
- $346
Our most common approval band on Philadelphia row homes.
How the ratio prices
1.25 and above
Best pricing
Full leverage, best rate tier, most flexible reserves requirement.
Minimum down 20%
1.10 to 1.24
Standard pricing
Our most common approval band on Philadelphia row homes.
Minimum down 20%
1.00 to 1.09
Add 0.375%
The property covers, but with no margin. Interest-only often moves it up a tier.
Minimum down 20%
0.75 to 0.99
Add 0.875%
No-ratio structure. Higher reserves, six months PITIA verified.
Minimum down 25%
Sample investor pricing. Rate, adjustments and tier boundaries are illustrations for this demonstration site, not a quote. Rent is taken from the lease or the appraiser's Form 1007, whichever the file supports.
DSCR questions
Amara runs this desk and owns eleven doors of her own. If the deal does not work at any leverage, she will say so on the first call.
DSCR program detailA rental property loan qualified on the property's income rather than yours. Debt service coverage ratio is gross monthly rent divided by PITIA: principal, interest, taxes, insurance and any association dues. A $2,400 rent against a $2,000 PITIA is 1.20. There is no personal debt-to-income calculation and no tax returns.
Agency guidelines cap you at ten financed properties. DSCR does not cap you at all, which is why investors beyond their tenth door end up here. Blanket portfolio loans take five to forty properties under a single note.
Yes, on every investor product, at no additional charge. Members provide a personal guaranty and title goes into the entity at closing. Taking title personally and transferring later can trigger a due-on-sale clause, so we would rather do it correctly the first time.
Yes, with a documented twelve-month operating history from platform statements or a property manager's report. We underwrite to a trailing twelve-month average rather than peak season. Without that history we use long-term market rent from the appraiser's Form 1007 instead.
Our standard DSCR structure carries a 5/4/3/2/1 step-down, meaning 5% of the balance in year one falling to 1% in year five. It can be bought out in points at closing. If your holding period is under three years, price that buyout before you sign rather than after.
Ratio works? Get it under contract
Median nineteen business days from application to clear-to-close on our DSCR files, closed in your LLC at no additional charge.
No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.