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A DSCR loan (Debt Service Coverage Ratio) qualifies an investment property on its rental income vs its debt payment — PITIA: principal, interest, taxes, insurance, and HOA dues — not the borrower's personal income or tax returns. Formula: DSCR = Monthly Rent ÷ Monthly PITIA. Most lenders prefer 1.0+; 0.75–0.99 and no-ratio programs exist at reduced LTV.
DSCR Authority is an independent editorial resource and free lender-matching service for US real-estate investors — we do not originate loans ourselves. We match investors with the right lender on the wholesale DSCR market at the best rate, fastest close, and fewest surprises. Free. No credit pull. We also cover broader investment property financing — DSCR, conventional, and non-QM.
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Key concepts
What is a DSCR loan?
A DSCR loan qualifies an investment property on its rental income vs its debt payment (PITIA), not the borrower's personal income. DSCR stands for Debt Service Coverage Ratio: monthly property income ÷ monthly loan payment (principal, interest, taxes, insurance, and HOA dues).
DSCR = Gross monthly rent ÷ Monthly loan payment (PITIA)
Example: If rent is $2,000/mo and total payment is $1,600/mo, DSCR = 2,000 ÷ 1,600 = 1.25 — qualifies.
≥ 1.25
Excellent
1.00–1.24
Qualifies (standard)
0.75–0.99
Marginal / special programs
How it works
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Essential DSCR loan pages
The pages search and AI engines should index first — rates, calculator, requirements, and key markets.
- DSCR loan rates todayWeekly tables by credit, LTV, and DSCR tier.
- DSCR loan calculatorRent ÷ PITIA with lender-tier pass/fail.
- DSCR loan requirementsCredit, LTV, reserves, and seasoning rules.
- What is a DSCR loan?Definitive guide: formula and when to use one.
- DSCR pros and consWhen DSCR wins — and when it doesn't.
- DSCR FAQAnswers to every common DSCR question.
- Best DSCR lendersNeutral comparison across national programs.
- DSCR loans in Florida#1 market — taxes, PPP, and lender access.
- DSCR loans in TexasFast eviction, no state income tax.
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The definitive DSCR library
Five pillars covering everything investors need — from first DSCR calculation to scaling a 50-property portfolio.
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Everything about DSCR loans
Plain-English guides covering how DSCR loans work, how to qualify, and how to use them to scale a rental portfolio.
ExploreTools
Interactive calculators
Free DSCR calculators, qualification estimators, and BRRRR modelers. Built for investors, not salespeople.
ExploreStates
DSCR rules in all 50 states
State-by-state coverage of DSCR lender availability, foreclosure timelines, rent control, tax treatment, and market conditions.
ExploreCompare
Lenders, loans, rates
Neutral, data-driven comparisons across DSCR lenders and loan types — updated weekly.
ExploreInvest
Strategy for every investor
Entity structure, BRRRR playbooks, portfolio strategy, foreign-national programs, and 1031 exchanges.
ExploreTools
Free calculators that don't email-wall you
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Live DSCR rates
Current DSCR loan rates as of August 18, 2026
Rate tables updated every Monday across all credit, LTV, and DSCR tiers. Fixed, ARM, and interest-only variants.
View rate tablesSample, 30-year fixed · SFR · 75% LTV · 1.00-1.24 DSCR
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Access to 5,000+ lenders. Most don't fund DSCR. We match your file to the programs that can, then you see the top 3. We also publish a named comparison of 14 national DSCR programs so you can see the market, not a sales ranking.
Why investors choose us
Every lender emailing you is selling you. We're not.
“Scott and LendCity structured CMHC MLI Select on our Edmonton acquisition — 95% LTV with affordability points. We preserved capital and bought a second building the same year.”
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