Will your rental qualify for a DSCR loan?
Run any scenario against current DSCR loan guidelines. See your DSCR, max LTV, and which programs you qualify for — in 60 seconds.
What Is the DSCR Investor Loan Finder?
The DSCR Investor Loan Finder is a free, instant pre-qualification tool built for real estate investors. Enter your property's rental income, estimated expenses, and loan details — and in about 60 seconds you'll see your Debt Service Coverage Ratio, the maximum LTV available, and exactly which DSCR loan programs your deal qualifies for.
Plug in your property numbers — purchase price, rent, taxes, insurance, and HOA — to model any deal.
Get your DSCR, qualifying programs, max LTV, and a personalized action plan — all instantly.
Ready to move forward? Schedule a consultation to lock in your rate and finalize terms.
Why Investors Trust This Tool
Federally licensed & regulated. Equal Housing Lender.
Active investors use this tool daily to vet new acquisitions.
Always updated with the latest DSCR matrices — no stale data.
"I ran my 4-unit scenario and had a clear answer in under a minute. Saved me two days of back-and-forth with a loan officer."
DSCR Loan Programs1–4 Unit & 5–8 Unit Residential
Six investor loan tiers for standard properties, plus a dedicated program for 5–8 unit residential. Each tier serves a different investor profile.
Lowest rates reserved for properties with strong cash flow and high credit.
The most flexible standard tier — covers the broadest range of FICOs and LTVs.
When rent alone doesn't hit the threshold, supplement with personal asset income.
Bridge the gap — qualify even when your property isn't fully cash-flowing yet.
No income ratio needed — qualify on credit score and equity alone.
Open to eligible international investors from approved countries. 12 months reserves.
Compare These Options
All six tiers side-by-side — find the best fit for your deal.
| Criteria | Select | Core | Fusion | Sub1 | No Ratio | Foreign Natl |
|---|---|---|---|---|---|---|
| DSCR Ratio | 1.25+ | 1.00+ | Any | 0.75–0.99 | N/A | 1.00+ |
| Min FICO | 700 | 620 | 680 | 640 | 680 | 700 |
| Max LTV | 80% | 85% | 80% | 80% | 85% | 75% |
| Asset Income | No | No | Yes | No | No | No |
| Reserves | Standard | Standard | Standard | Standard | Standard | 12 mo |
| Best For | Top performers | Broad eligibility | Low-rent props | Sub-1.0 deals | No income docs | Intl investors |
5–8 Unit Residential DSCR
Dedicated program for larger residential properties. DSCR 1.00+ required, 680+ FICO, loans up to $3M. Experienced investors only (1+ year managing non-owner-occupied real estate).
Similar requirements to these tiers — click to jump:
Common Questions About DSCR Loans
Ready to see if your deal pencils?
Takes about 60 seconds. We'll show you the programs you qualify for and Dan will personally review your scenario.
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