Property cash flow matters
DSCR compares qualifying rental income with the debt payment defined by the program. The lender determines the calculation.
BUILD A PORTFOLIO WITH PURPOSERental income.
Rental income.
Room to build.
Explore financing for rental acquisitions, refinances, and eligible cash-out transactions, with programs that evaluate the property’s rental income.
Start my financing request The Mortgage CalculatorNMLS #2377459
DSCR & rental loansA PATH FOR YOUR PLANS
Put your plan in motion.
Purchase, refinance, and cash-out paths for rental property investors.
Long-term rental acquisitions
Eligible short-term rental properties
Rental refinances and portfolio growth
Know what matters.
Make a more informed move.
Match the property
Single-family rentals, eligible condos, small multifamily, and short-term rentals have different underwriting needs.
Consider the whole loan
Compare amortization, reserves, prepayment provisions, fees, and the total cost of the financing.
A USEFUL STARTING POINTBring the basics.
Bring the basics.
We’ll take it from there.
Start with what you know. The team will explain what else is needed for the financing options under review.
- Property location and type
- Purchase price or estimated value
- Current or projected rental income
- Existing debt and desired loan purpose
KNOW MORE. PLAN BETTER.Clarity before
Explore the learning center Clarity before
your next move.
From Fix and Flip to DSCR Refinance: Plan the Rental Exit
Plan a renovation-to-rental refinance with a realistic valuation, rental-income review, payoff budget, timing checklist, and backup exit.
Read the guideHow to Calculate DSCR for Rental and Commercial Property
Calculate rental DSCR correctly, distinguish rent-to-PITIA from commercial net cash flow, and stress-test a property's debt coverage.
Read the guideDSCR Loan Documents Checklist for Rental Investors
Organize rental, property, entity, liquidity, and refinance documents so a DSCR loan review can reconcile the facts behind your application.
Read the guideLET’S TALK ABOUT YOUR NEXT MOVE
Start with your goal.
Choose a path below to connect with The Mortgage Calculator team through our existing company forms.
PROPERTY FINANCING
Open form in a new tab ↗Start your financing request
Complete the company’s property financing form below.
In your message, please include “Get Commercial Capital,” your business name, state, requested amount, intended use, and timing. Please do not include Social Security numbers, account numbers, or documents.
Select investment occupancy or the appropriate commercial property type in the form. Tell us about your business-purpose use in the comments.
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A LITTLE CLARITYGood questions.
Good questions.
Clear next steps.
Need to talk through the details?
Call (786) 733-1993
What does DSCR mean?
DSCR stands for debt service coverage ratio. It measures rental income relative to the required debt service. The income and expense calculation depends on the lending program.
Can I ask about a short-term rental?
Yes. Provide the property, rental history or projections, and intended use so the team can review eligible short-term rental programs.
Does a DSCR loan guarantee approval without income documents?
No. These programs can focus on rental income rather than traditional personal income qualification, but credit, liquidity, property, and other documentation requirements still apply.