Estimates for informational purposes only. Not a commitment to lend or a guaranteed rate or approval. Actual rates, payments, and approval depend on your full profile.
This is an estimate. Your exact DSCR, rate, and terms come from Brandon. Call or text 832-997-1527.
How DSCR is calculated
Your debt service coverage ratio is the property's monthly rent divided by its full monthly payment, called PITIA: principal, interest, taxes, insurance, and association dues. A ratio of 1.00 means the rent exactly covers the payment. Above 1.00 the property cash flows. Below 1.00 the rent falls short, though some lenders still approve with a larger down payment or reserves. Texas property taxes run higher than the national average, so this calculator builds them into your PITIA estimate.
Get your exact DSCR terms
Book a quick call with Brandon Huynh, NMLS #2522494. This calculator gives an estimate. Brandon confirms your real ratio, rate, and lender match after a short conversation, and can tell you which lenders work at your ratio.
Book a Call or call/text 832-997-1527
Learn more about DSCR loans
DSCR loans qualify on the property, not your personal income, which makes them a fit for full-time investors and anyone building a rental portfolio. Explore the details:
- DSCR loans Houston — how the program works, rates, and who qualifies.
- DSCR loans overview — the nationwide guide to debt service coverage ratio loans.
- DSCR loan rates in Houston for 2026 — current pricing and what moves your rate.
- DSCR loans with no property limit — scale your portfolio without a cap.
- Houston mortgage payment calculator — estimate PITI on a primary or second home.
- Bank statement loan income calculator — for self-employed buyers who qualify on deposits, not tax returns.
Frequently Asked Questions
What is DSCR?
DSCR, or debt service coverage ratio, is the property's monthly rental income divided by its monthly loan payment. Lenders use it to qualify the property instead of your personal income.
What DSCR ratio do I need?
Most DSCR lenders look for a ratio of at least 1.0, meaning the rent covers the payment. A ratio of 1.25 or higher earns the best pricing, and some lenders approve below 1.0 with a larger down payment.
Can I close a DSCR loan in an LLC?
Yes. DSCR loans let you close in the name of an LLC, which is common for investors who want to hold properties in a business entity.
Do DSCR loans verify my income?
No. DSCR loans do not require tax returns, W-2s, or income verification. The property's rental income carries the qualification.
How much down payment do DSCR loans require?
DSCR loans typically require 20 percent down, though the exact amount depends on the property, your credit, and the ratio.