KNOW YOUR
DSCR.
Before you write the offer.
Get Your Free DSCR Analysis
Start with the property address — we'll estimate the market value and rent automatically. About 30 seconds, no documents.
- ✓ Estimated DSCR
- ✓ LTV / CLTV read
- ✓ Market value & rent
- ✓ Specialist review
Whether you're buying or refinancing — your first rental or your fifteenth — get a DSCR Analysis based on the property's rental income. LLC-friendly, portfolio-friendly, reviewed by a specialist who works investor scenarios every day.
- Enter the address — we pull the estimated value and market rent
- Unlock your estimated DSCR and LTV — free, right on this page
- A specialist reviews your scenario — 25 years in mortgage lending
The Process
How your DSCR Analysis comes together
Property data does the groundwork. Your analysis appears on screen the moment you unlock it. A specialist verifies everything before your strategy call.
STEP 1
Property Intelligence
We combine public property records, estimated market rent and the details you provide to build the preliminary analysis.
THE DSCR DESK
812 Maple Ave, Charlotte, NC
Appears well positioned for a DSCR conversation.
Est. DSCR
1.18
Monthly cushion
+$545
STEP 2
Your Preliminary Analysis
Your preliminary analysis appears on screen once you tell us where to send it — estimated DSCR, monthly cushion and the numbers behind them — plus the full report to your inbox.
Specialist markup
Rent verified ✓
Live pricing applied ✓
Strategy refined →
STEP 3
Specialist Verification & Strategy
A DSCR specialist verifies every number, applies current lender guidelines and live pricing, and prepares the strategies worth discussing on your call.
No documents required to start.
Get My DSCR AnalysisWhich strategy fits your property?
Your property. Your goals.
The right conversation.
Not every investment property follows the same path. Your DSCR Analysis identifies the financing scenarios investors actually use — so you understand what may fit your goals before you commit to anything.
Not every property fits DSCR. That's okay.
Our analysis doesn't stop at one financing strategy. If another business-purpose approach appears more appropriate for your scenario, your specialist will explain why and walk through the available options.
Property types we analyze
- Single-Family Rentals (SFR)
- Condos & Townhomes
- 2–4 Unit Properties
- Short-Term & Vacation Rentals
Years in mortgage lending behind every Analysis
From address to your unlocked DSCR
Free — the Analysis costs nothing
Why Investors Use The DSCR Desk
We're not a bank with one set of products. Our job is to find you the best fit — and make the whole process feel easy.
- A specialist, not a call center
- Your scenario is reviewed by a specialist with 25 years in mortgage lending — someone who works investor deals every day, not a script reader.
- Built for how investors operate
- LLC vesting, multiple properties, write-off-heavy returns, short-term rentals — the situations that make banks flinch are the baseline here.
- Know before you write the offer
- The DSCR Analysis tells you what the property's rent supports before contingency clocks start — so you negotiate from knowledge, not hope.
0
documents needed for your Analysis
5 min
from request to Analysis in your inbox
7
states where your scenario can move forward
1:1
one specialist, start to finish
DSCR Questions, Straight Answers
The questions investors actually ask — answered plainly. Something specific to your scenario? That's what the Analysis is for.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies a real-estate investor based on the property's rental income instead of the borrower's personal income. The ratio is the monthly rent divided by the monthly payment — at 1.0 or higher, the rent covers the payment and the property essentially carries itself.
Do I need tax returns or W-2s for a DSCR loan?
No. DSCR qualification is based on the property's rental income — not your tax returns, W-2s, or employment. That's the entire point of the product for self-employed and portfolio investors.
I'm self-employed with heavy write-offs — does that hurt me?
No. Because DSCR loans qualify on the property's income rather than your personal income, aggressive write-offs on your returns don't work against you the way they do with a bank loan.
Can I close in an LLC?
Yes. Most DSCR programs are built for entity borrowers — closing in an LLC is standard practice, not an exception.
This is my first investment property — can I qualify?
Many DSCR programs allow first-time investors. Experience helps in some programs, but a first rental with solid income can absolutely qualify.
I own several rentals — is that a problem?
No — portfolio investors are the core DSCR customer. Many programs have no practical limit on the number of financed properties.
Does Airbnb or short-term rental income count?
Many DSCR programs accept short-term rental income, using either market rent or documented STR income. Vacation-rental markets and Airbnb operators have real options.
What credit score and down payment do DSCR loans need?
Most programs start in the mid-600s for credit, with stronger scores unlocking better terms. Purchases typically require 20–25% down; refinance equity requirements vary by program.
Can I do a cash-out refinance on a rental with a DSCR loan?
Yes. DSCR cash-out refinances access the equity in a rental based on what the property's rent supports — commonly used to fund the next acquisition.
Do you only handle DSCR loans?
DSCR is the desk's specialty, but investors bring their whole toolbox: fix-and-flip, ground-up construction, and investment-property equity lines are all business-purpose scenarios your specialist can discuss. Start with the Analysis — the conversation covers whatever your deal needs.
Can I use a DSCR loan for my primary residence?
No. DSCR loans are business-purpose loans for investment property only — not for homes you intend to live in.
Ready to get started?
Request your free DSCR Analysis in about 30 seconds — or talk it through with a specialist first. No pressure, no obligation.