DSCR loans qualify on the property, not your tax returns. If the rent covers the payment, the deal works. This tool runs the exact math lenders run: the DSCR ratio, monthly cash flow, cash to close with every fee itemized, and, when a deal falls short, exactly how much down payment or rent it takes to fix it. No login, no email wall.
Price, expected rent, taxes, insurance, HOA. Or have me pull the value, market rent, and taxes by address on a call.
Compare 20% vs 25% down, 30 or 40 year fixed, or interest only. Watch how each one moves the DSCR ratio and the cash flow.
Qualifies or not, monthly cash flow, cap rate, cash on cash return, reserves required, and the exact down payment or rent that makes a short deal work.
A debt service coverage ratio loan qualifies you on the property's rent instead of your personal income. Divide the monthly rent by the full monthly payment (principal, interest, taxes, insurance, HOA). At 1.0 the rent covers the payment and most lenders will do the deal. At 1.25 you unlock the best pricing. No tax returns, no W2s, no DTI math.
Most programs want 20% or more down, a credit score of 620 to 680 or better, and a DSCR at or above 1.0, with options below 1.0 at adjusted pricing. Loan amounts typically run $75,000 to $3 million, and lenders want to see 3 to 6 months of payments in reserves. LLCs are welcome, and so are first time investors with most lenders.
Many DSCR lenders count short term rental income using 12 month revenue history or a market rent analysis. The tool works the same way: put your expected monthly revenue in the rent field. Airbnb and VRBO properties usually need a bit more cushion, so target 1.25 or better.
Fifteen minutes on a screen share and I'll pull the market rent, dial in live DSCR pricing, and tell you exactly what it takes to close, in an LLC or your name.
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. He works with real estate investors across Texas on DSCR, bank statement, and conventional investment loans, and built this tool so investors can pencil a deal in seconds.