A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. No W-2s or tax returns are required. The property's monthly rent must cover the mortgage payment, typically at a ratio of 1.0 or higher.

How fast can I close a DSCR loan?

AllApprovedHere typically closes DSCR rental loans in 21 days or fewer, significantly faster than conventional lenders.

What states does AllApprovedHere lend in?

AllApprovedHere / Barrett Financial Group is licensed to lend in Arizona (AZ), California (CA), Washington (WA), Nevada (NV), and Colorado (CO).

What is the minimum DSCR ratio required?

Most DSCR loan programs require a minimum DSCR ratio of 1.0, meaning the property's rental income must at least cover the monthly mortgage payment. Programs with stronger ratios (1.25+) qualify for better rates and terms.

Do you offer construction loans for ground-up development?

Yes. AllApprovedHere offers ground-up construction loans with up to 90% LTC (Loan-to-Cost), 12-24 month terms, and interest-only draw schedules for residential and commercial development projects.

What is a good DSCR ratio for a rental property?

A DSCR of 1.25 or higher is considered strong and qualifies for most DSCR loan programs. A ratio of 1.0–1.24 may still qualify with some lenders. Below 1.0 means the property does not generate enough income to cover the debt service.

How is DSCR calculated?

DSCR = Gross Monthly Rent ÷ Total Monthly PITI (Principal, Interest, Taxes, Insurance). A ratio above 1.0 means the rental income covers the mortgage payment.

What is the minimum DSCR to get a loan?

Most DSCR lenders require a minimum ratio of 1.0–1.1. Some programs allow a DSCR as low as 0.75 for strong borrowers with high credit scores and low LTV.

DSCR Loans

Free DSCR Calculator

Instantly calculate your Debt Service Coverage Ratio. See if your rental property qualifies for a DSCR loan — no W-2s, no tax returns, no signup required.

Rent

Qualify on

W-2s

21 Days

Close in

80% LTV

Up to

Monthly Gross Rent$2,400

Loan Amount$320,000

Interest Rate7.5%

Monthly Taxes$300

Monthly Insurance$100

Monthly P&I$2,237

Total PITI$2,637

Your DSCR Ratio0.91

✗ Below threshold — Let's explore options

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Free · No login · No credit check · NMLS #1502253

What Is a DSCR Calculator?

A Debt Service Coverage Ratio (DSCR) calculator helps real estate investors determine whether a rental property generates enough income to qualify for a DSCR loan. Unlike conventional mortgages, DSCR loans qualify based on the property's rental income — not the borrower's personal income, W-2s, or tax returns. This makes them ideal for self-employed investors, high-net-worth individuals, and anyone with complex income structures. Our free DSCR calculator shows your ratio instantly and tells you which loan programs you likely qualify for at AllApprovedHere.com, licensed in AZ, CA, WA, NV, and CO.

How It Works

Step 1

Enter Your Numbers

Input your monthly rent, loan amount, interest rate, taxes, and insurance using the sliders.

Step 2

See Your DSCR Ratio

Your DSCR ratio calculates instantly. Green means strong qualification; yellow means borderline; red means below threshold.

Step 3

Get Financed

Click 'Get DSCR Financing' to start your application. Our loan officers close DSCR loans in as fast as 21 days.

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Frequently Asked Questions

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Numbers Look Good? Let's Get You Funded.

Our loan officers specialize in DSCR, construction, and fix & flip financing across AZ, CA, WA, NV, and CO.

Get Pre-Approved Call (602) 628-1231