DSCR scenario library
If the rent covers the loan, you qualify.
The DSCR scenario library. Every property type, every situation, every market — what qualifies, what it costs, and exactly how to do it.
DSCR = Rent ÷ PITIA. Clear 1.0 and the property qualifies on its own income — not your W-2.
Find your exact situation
01
One question
Does the rent cover the payment? That ratio — not your income — decides the loan.
02
No income docs
No pay stubs, no tax returns, no DTI. Title in an LLC. Qualify on the asset.
03
Every scenario
No-ratio, cash-out, STR, foreign national, sub-680 credit — there is a path for each.
Start here
All scenarios- DSCR Loan for a Single-Family Rental
Single-family rentals are the cleanest DSCR approval there is. Here's how the rent-vs-payment math works, what you'll put down, and how to close.
- DSCR Loan for a Short-Term Rental (Airbnb / VRBO)
STR-friendly DSCR lenders underwrite to nightly income, not long-term rent. How to finance an Airbnb, what proves revenue, and the haircut to expect.
- No-Ratio DSCR Loan (DSCR Below 1.0)
When the rent doesn't quite cover the payment, a no-ratio DSCR loan still gets you financed. Here's what it costs, who it's for, and how to qualify.
- DSCR Loan with an LLC
Closing your DSCR loan in an LLC is standard — lenders expect it. How title in an LLC works, the personal guarantee, and what it does and doesn't change.
- DSCR Interest-Only Loan
An interest-only DSCR loan lowers the payment, which lifts your DSCR. Here's how the IO period works, why it boosts the ratio, and the tradeoff.
Know your number before you call a lender.
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Tell us your deal. We'll tell you if it qualifies.
Tell us the deal. A licensed Q Mortgage advisor replies with whether it qualifies and what it takes — no obligation.
- No credit pull to ask
- Investor scenarios only — DSCR focus
- Texas licensed; national educational resource