How it works
Four steps to your next rental
Enter your cash
Tell us what you have for a down payment and closing costs.
See affordable homes
We surface listings within your max purchase price.
Review the numbers
Each property is scored on DSCR, cash flow, and yield.
View or get pre-approved
Like a deal? Request a viewing or start pre-approval.
The loan
What a DSCR loan is — and why investors use it
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. Instead of underwriting your personal income, the lender underwrites the property: does the rent it generates cover the mortgage and expenses?
The core metric is the DSCR — the ratio of net operating income to annual debt service. A ratio of 1.25× means the property earns 25% more than the loan costs, which is the threshold most DSCR lenders require to approve.
The formula
DSCR = Net Operating Income ÷ Annual Debt Service
Net Operating Income = Annual Rent − Taxes − Insurance − Vacancy − Maintenance − Management
Example deal
✓ DSCR above 1.25 — this deal qualifies and cash-flows.
The calculator
How much rent does the loan need?
Pick a property price and see the minimum monthly rent required for the deal to qualify — at break-even, the lender minimum, and a strong-cushion target.
Rent requirement calculator
What rent does the loan need?
Enter a property price and we'll show the minimum monthly rent required for the deal to hit each DSCR threshold.
California average is ~1.25%.
Down payment (25%)
$125,000
Closing costs (5%)
$25,000
Cash needed
$150,000
Loan amount (75%)
$375,000
Monthly mortgage
$2,622
Annual taxes + insurance
$8,750
Required monthly rent
$4,886
…at 1.25× DSCR — the lender minimum for a $500,000 property.
| DSCR target | What it means | Min rent / mo |
|---|---|---|
| 1× | Break-even Rent just covers the loan & expenses | $4,087 |
| 1.25× | Lender minimum Most DSCR lenders require ≥ 1.25× | $4,886 |
| 1.5× | Strong deal Comfortable cushion for vacancies | $5,686 |
Assumes a 7.5% rate, 30-year amortization, 25% down, and operating expenses of insurance plus 18% of rent (vacancy, maintenance, management).
Questions & answers
Everything you might ask first
A Debt Service Coverage Ratio (DSCR) loan is a real estate investment loan where the lender qualifies you based on the property's rental income — not your personal W-2s or tax returns. The key number is the DSCR: the ratio of the property's net operating income to its mortgage payment.
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