DSCR Loans - Investment Property Financing Without Income Verification
Qualify based on property cash flow, not your personal income. Perfect for real estate investors with multiple properties or self-employed professionals.
DSCR Calculator
Calculate your Debt Service Coverage Ratio to see if your investment property qualifies for DSCR financing. No income verification required—just property cash flow.
Property Details
Add property information for a complete analysis
Property Income & Expenses
Enter monthly amounts
Multi-Unit Property? Import Rent Roll
Drag & drop a CSV file or click to browse
Monthly Operating Expenses
Monthly Debt Payment
Understanding Your DSCR
What is DSCR?
Debt Service Coverage Ratio measures if your rental property generates enough income to cover mortgage payments. It's calculated by dividing Net Operating Income by Annual Debt Service.
Qualification Guidelines:
- • 1.25+: Excellent cash flow, best rates
- • 1.0-1.24: Good cash flow, standard terms
- • 0.75-0.99: May qualify with 720+ credit, 25-30% down
- • Below 0.75: Typically does not qualify
Tips to Improve Your DSCR:
- • Increase rental income (market rent analysis)
- • Larger down payment = lower debt payment
- • Shop for lower insurance/tax rates
- • Consider longer loan term (30 vs 20 years)
DSCR Calculator Results
Generated on April 11, 2026
Input Summary
| Monthly Gross Rent | $0 |
| Property Taxes | $0 |
| Insurance | $0 |
| HOA Fees | $0 |
| Maintenance Reserve | $0 |
| Vacancy Reserve | $0 |
| Monthly Payment | $0 |
Calculation Results
| DSCR Ratio | 0.00 |
| Qualification Status | Does Not Qualify |
| Monthly Rent | $0 |
| Operating Expenses | $0 |
| Net Operating Income (Monthly) | $0 |
| Annual NOI | $0 |
| Monthly Debt Payment | $0 |
| Annual Debt Service | $0 |
Qualification Analysis
Property income is too low relative to debt. Consider increasing rent, reducing expenses, or larger down payment.
- 1.25+: Excellent cash flow, best rates
- 1.0-1.24: Good cash flow, standard terms
- 0.75-0.99: May qualify with 720+ credit, 25-30% down
- Below 0.75: Typically does not qualify
JT Capital Advisors
Commercial & Investment Property Financing
📞 (513) 800-1111
🌐 www.jtohio.com
This calculation is for informational purposes only and does not constitute a loan offer or commitment. Actual loan terms may vary based on credit, property, and underwriting requirements.
Why Choose DSCR Loans?
No Income Documentation
No tax returns, W-2s, or employment verification needed. Qualify based solely on property rental income potential.
Unlimited Properties
No restrictions on the number of financed properties. Scale your portfolio without hitting conventional loan limits.
Strong Cash Flow Focus
Properties with DSCR above 1.0 qualify. Higher ratios may secure better rates and terms.
Fast Approvals
Streamlined underwriting process. Get approved in days, not weeks, with minimal documentation requirements.
Perfect for Self-Employed
Ideal for business owners and entrepreneurs whose tax returns don't reflect their true income capacity.
Long-Term Financing
30-year terms available. Build wealth with stable, predictable payments and long-term equity growth.
Program Details
Loan Amounts
$100,000 - $5,000,000
Interest Rates
6.5-9.5% (based on DSCR and credit)
Terms
30-year fixed or adjustable
Closing Time
21-30 days
Prepayment Penalty
Year 1: 3% penalty, Year 2: 2% penalty, Year 3: 1% penalty, Years 4+: No penalty
Property Types
- ✓Single Family
- ✓Multi-Family (2-4 units)
- ✓Condos
- ✓Townhomes
- ✓5+ Unit Apartments
Credit Score
660+ required
Down Payment
20-25% minimum
LTV
Up to 80%
How It Works
Property Analysis
Submit property details and rental income documentation
DSCR Calculation
We calculate debt service coverage ratio to determine eligibility
Quick Approval
Get approved based on property cash flow, not personal income
Close in 3-4 Weeks
Efficient closing process after receiving complete documentation
Frequently Asked Questions
DSCR Loans in Ohio Cities (Plus Nationwide Lending)
Click on any city to view location-specific information, rates, and requirements
Hamilton County
Warren County
Montgomery County
Greene County
Clinton County
Marion County
Jefferson County
Fayette County
Kenton County
Campbell County
Serving Ohio, Northern Kentucky & Indianapolis
Headquartered in Cincinnati, we provide dscr loans throughout Ohio, Northern Kentucky, and Indianapolis. Local expertise, regional reach, personal service.
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