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The debt service coverage ratio (DSCR), known as “debt coverage ratio” (DCR), is the ratio of operating income available to debt servicing for interest, principal, taxes and insurance (PITI). It is a popular benchmark used in the measurement of a borrower’s ability to produce enough cash to cover their mortgage payments.

Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos

Ratio ≤ 1:1, cash-out can be used to cover reserves

Loan amounts up to $2M

Non-Owner Occupied only

No reserves required ≤ 75% LTV

No income or job verification!!!

5yr/7yr ARM & 30-year Fixed

Reconciled rent estimate based on 1007 or lease agreement


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