Can I get a DSCR loan without tax returns?

Yes. DSCR loans qualify based on the rental property's projected income — not your personal income. No W-2, no tax returns required.

What are DSCR loan rates right now?

DSCR rates are market-competitive for qualified borrowers with strong credit, DSCR ratio above 1.20x, and 25-30% down. Contact us for a current rate quote.

What is the minimum credit score for a DSCR loan?

Most DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors like higher down payment or stronger DSCR ratio.

Can I borrow in an LLC for a rental property?

Yes. LendingStreet DSCR loans allow borrowing in an LLC or other entity. This is a major advantage over conventional mortgages, which typically require personal name borrowing.

How fast can a DSCR loan close?

DSCR loans typically close in 10-21 days from complete application. Bridge alternatives can close in as little as 5-10 days when speed matters.

DSCR Calculator — Calculate Your Rental Property's DSCR

DSCR Calculator

Enter your rental property's monthly income and total monthly expenses (including the proposed mortgage payment) to calculate your Debt Service Coverage Ratio.

Calculate Your DSCR

Monthly Gross Rent

Monthly Mortgage Payment (P&I)

Monthly Property Tax

Monthly Insurance

Monthly HOA (if applicable)

What DSCR Means

DSCR (Debt Service Coverage Ratio) measures how well a property's rental income covers its mortgage and expenses. It's the primary qualification metric for DSCR investor loans.

DSCR = Monthly Gross Rent ÷ Monthly PITIA

Where PITIA = Principal + Interest + Taxes + Insurance + Association fees (HOA).

DSCR Ratio Benchmarks

DSCR Ratio	Interpretation
1.25x +	Excellent. Property cash flows 25%+ above debt service. Best pricing.
1.10x - 1.25x	Good. Standard DSCR lending range. Most lenders want this minimum.
1.00x - 1.10x	Marginal. Some lenders will fund; pricing premium applied.
0.75x - 1.00x	Below standard. Consider No Ratio DSCR programs.
Below 0.75x	Significant negative cash flow. Requires No Ratio + strong borrower profile.

How to Improve Your DSCR

Raise rent: If you're below market, a rent increase directly improves DSCR proportionally.
Larger down payment: Lower loan amount = lower payment = higher DSCR.
Interest-only period: Some DSCR programs offer IO, which reduces monthly payment during the IO term.
Shop rates: Even 0.25% rate improvement boosts DSCR noticeably.
Appeal property taxes: If taxes are overassessed, an appeal can reduce monthly PITIA.

Ready to apply for a DSCR loan?

We work with multiple DSCR lenders and find the best program for your DSCR ratio.

Get DSCR Loan Quote →

Get Your DSCR Rate Today

No credit pull. No commitment. Speak with a licensed financing firm that knows the investor market.

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DSCR CalculatorCalculate Your Property's Debt Service Coverage Ratio