DSCR Loan Qualification Tool

Know If Your Rental Qualifies Before You Apply.

DSCR loans are qualified on the property — not your personal income. But knowing your ratio before you call a lender puts you in control. Enter your rental's numbers and see instantly whether it qualifies, what your cash flow looks like, and how Capital Fund 1's terms stack up.

DSCR loan at a glance
1.0x
Minimum DSCRQualify even at breakeven cash flow
80%**
Maximum LTVPreserve capital, maximize leverage
$3M
Max Loan Amount$100K–$3M for SFR to multifamily
660+
FICO RequiredSoft pull only — no hard inquiry
Talk to a DSCR specialist — get your rate, terms, and max loan amount in one call.
Book a Call →
Interactive tool

Calculate Your DSCR in Seconds

Plug in your rent, property value, and expected loan terms. Your DSCR ratio, monthly cash flow, and qualification status calculate in real time — so you know exactly where you stand before you ever pick up the phone.

SFR & 2–4 unit residential
No personal income docs
30-yr fixed — bespoke structures available
Property & transaction
Transaction type
or
Gross monthly rent (market rent)
$
Purchase price
$
Down payment 25%
20%40%
Loan terms
Interest rate 7.00%
5%9%
Loan type
More structures available. CF1 offers bespoke loan options including interest-only periods, 5/1 and 7/1 ARMs, and hybrid structures. Talk to a specialist to model the structure that fits your hold strategy.
Monthly expenses (PITIA)
Property taxes (annual)
$
Hazard insurance (annual)
$
HOA (monthly, if applicable)
$
Residential DSCR = Gross Monthly Rent ÷ PITIA. No NOI, no vacancy adjustments — just rent vs. your monthly payment.
Your DSCR score
— DSCR 0.75 1.0 1.5+
Negative Breakeven (1.0) Strong (1.25+)
Enter your numbers to see your qualification status.
Residential DSCR breakdown
Monthly P&I
—
Total debt service
—
Monthly cash flow
—
Loan amount
—
Loan structure
Property value—
Down payment—
New loan amount—
Monthly payment (PITIA)
Principal & interest—
Property taxes—
Hazard insurance—
HOA—
Total PITIA—
Cash flow
Gross monthly rent—
Total PITIA—
Monthly cash flow—
The DSCR advantage

Scale Your Portfolio Without the W-2 Ceiling

Traditional rental financing ties your borrowing capacity to your personal income. The more properties you own, the harder it becomes to qualify — even when the deals are great. DSCR loans break that ceiling by letting each property qualify on its own merits.

  • No income documentation required. No W-2s, no tax returns, no pay stubs. Qualification is based entirely on the property's rental income vs. its debt obligations.
  • Unlimited financed properties. DSCR loans don't count against your conventional loan limit. Investors with 10, 20, or 50+ properties can still qualify.
  • Self-employed and complex-income investors qualify. If traditional lenders penalize your write-offs, DSCR eliminates the issue entirely.
  • Close in 2–3 weeks. Faster than conventional, with less red tape. Capital Fund 1 underwrites in-house for predictable, reliable timelines.

DSCR vs. Conventional rental loan

FactorConventionalDSCR (CF1)
Income docs needed2 yrs W-2 / returnsNone
Qualification basisPersonal DTIProperty income
Max financed props10 (Fannie/Freddie)Unlimited
Self-employed friendlyOften penalizedNot a factor
Close timeline30–60 days2–3 weeks
Property conditionMove-in ready requiredFlexible
Best for portfolio growth DSCR wins
CF1 loan programs

One Lender. Every Stage of Your Portfolio.

Whether you're acquiring your first rental or refinancing your twentieth, Capital Fund 1 has a product built for where you are — and where you're going.

Best for Rentals
DSCR / Long-Term Rental
Qualify on the property's rent — not your personal income or tax returns.
  • SFR, condos & 2–4 unit residential
  • Up to 80% LTV**
  • DSCR as low as 1.0 — breakeven qualifies
  • $100K–$3M loan amounts
  • 660+ FICO (soft pull for terms)
  • AZ · CO · TX · TN · GA · NC
Apply for DSCR →
CF Advantage — Fix & Flip
Acquire and renovate, then refinance into a DSCR hold.
  • Up to 92.5% LTC**
  • 90% of purchase / 100% of rehab**
  • Rates as low as 9.75%†
  • Close in 24 hours*
  • 620+ FICO (soft pull)
  • Bridge to DSCR refi strategy
Apply for CF Advantage →
Cash-Out Refinance
Unlock equity in existing rentals to fund your next acquisition.
  • DSCR-qualified — no income docs
  • Access seasoned equity
  • Redeploy capital into new deals
  • No limit on financed properties
  • AZ · CO · TX · TN · GA · NC
  • Close in 2–3 weeks
Apply for Cash-Out Refi →
Our process

From Application to Funded in 3 Steps

No income interrogation. No committee delays. We underwrite the deal — not your tax returns.

01

Submit Your Deal

Complete our online application with basic property details, projected rent, and your investment strategy. No financial package required upfront — under five minutes.

Same day
02

Get Same-Day Terms

Our in-house team reviews the property's income and value — not your W-2. We issue same-day term sheets so you can make decisions fast. No third-party delays.

Same-day terms
03

Loan Funded

Appraisal, title, and insurance in order? We close in 2–3 weeks. Funds wire at close — and your dedicated originator is available throughout the entire process.

2–3 week close
Side by side

Capital Fund 1 vs. The Typical DSCR Lender

Most DSCR lenders offer the same product. The difference is in the execution — who actually picks up the phone, stands behind their terms, and closes on time.

Capital Fund 1 Typical DSCR Lender
Minimum DSCR 1.0x — breakeven qualifies Usually 1.20–1.25x
Maximum LTV Up to 80%** Typically 70–75%
Loan amounts $100K–$3M Often caps at $1.5–2M
Income documentation None required None — but may require CPA letter
Underwriting In-house, same-day decision External, 3–5 day turnaround
Terms reliability We stand by what we issue Subject to change before close
Dedicated originator Yes — one contact, start to finish ✕ Support ticket queue
Fix & flip + DSCR under one roof Yes — seamless flip-to-hold strategy ✕ Separate lenders required
Close timeline 2–3 weeks 4–6 weeks typical
Investor-only focus 100% investor lending ✕ Mixed residential/investor
From the field
"Once you scale past four or five properties, conventional lenders just don't work anymore. DSCR loans let each property stand on its own — and Capital Fund 1 actually understood that from the first call."
Long-Term Portfolio Investor 12-unit SFR portfolio across AZ & CO
Why CF1 for DSCR loans
Licensed & RegulatedNMLS #396288 · BK-0917799 · Active in AZ, CO, TX, TN, GA & NC
Flip-to-Hold Strategy Under One RoofAcquire and renovate with CF Advantage, then roll into a DSCR long-term rental loan — one team, no friction.
Dedicated Originator on Every LoanPhone, text, or email — same person from application to wire. Not a support queue.
$6B+ Funded for InvestorsOver a century of combined experience. We understand the investor playbook because we've financed it at scale.
Common questions

DSCR Loan & Calculator FAQ

Everything rental portfolio investors ask before running their first deal.

For residential DSCR loans, the formula is: DSCR = Gross Monthly Rent ÷ PITIA — where PITIA is principal, interest, property taxes, hazard insurance, and HOA dues. This is different from commercial DSCR, which divides Net Operating Income (NOI) by debt service. Residential lenders use gross rent, not NOI, because vacancy and operating expenses are not factored in. A DSCR of 1.0 means rent exactly covers the monthly payment. Above 1.0 is positive cash flow; below 1.0 means income falls short of debt service.
Capital Fund 1 offers DSCR loans with ratios as low as 1.0, meaning your rental income just needs to equal your debt service to qualify. Most conventional DSCR programs require 1.20 or higher. A stronger ratio typically unlocks better rates and higher leverage — but CF1 is built to work with investors at all stages, including breakeven properties in strong appreciation markets.
No. DSCR loans are qualified based entirely on the property's rental income versus its debt obligations. No W-2s, tax returns, pay stubs, or employment history required. This makes DSCR loans ideal for self-employed investors, those with complex tax situations, or investors scaling well beyond what traditional debt-to-income limits allow.
Capital Fund 1 offers DSCR loans up to 80% LTV on long-term rental properties. Actual LTV depends on property type, DSCR ratio, borrower FICO, and market conditions. Higher DSCR ratios and stronger borrower profiles typically qualify for maximum leverage. Our team can walk you through exactly what your deal supports during your terms call.
Traditional rental loans use your personal DTI and require full income documentation. They cap the number of financed properties (Fannie/Freddie allows a maximum of 10), and complex tax returns can result in disqualification. DSCR loans use only the property's income, require no personal income docs, have no limit on financed properties, and close in 2–3 weeks instead of 30–60 days.
Capital Fund 1's residential DSCR loan program offers loan amounts from $100,000 to $3,000,000. Eligible property types include single-family rentals, condos, and 2–4 unit residential properties across AZ, CO, TX, TN, GA, and NC. Contact our team for deal-specific sizing guidance.
Yes. DSCR loans are available for both purchase and refinance transactions, including cash-out refinances. Many investors use a cash-out DSCR refi to unlock equity in existing rentals and redeploy that capital into new acquisitions — effectively using their portfolio to fund its own growth without adding personal debt obligations.
Capital Fund 1's DSCR loan program requires a minimum 660 FICO credit score. We use a soft credit pull during the term-quoting process, which does not impact your credit report. Final underwriting may include a hard pull — our team will let you know when that step is required.
Ready to qualify?

Your Rental Portfolio Deserves a Lender That Scales With You

No income docs. No DTI ceiling. Just your deal, your terms, and a lender built exclusively for investors.

Capital Fund 1, LLC · BK-0917799 · NMLS #396288 · Loans made or arranged by Capital Fund 1, LLC. This page does not constitute an application for a mortgage loan or an offer to lend. Investment properties only. Available in AZ, CO, TX, TN, GA & NC. **Maximum leverage figures represent program limits; actual LTV subject to underwriting approval, property type, borrower experience, and market conditions. †Rates shown represent the lowest available rate tier; actual rate depends on loan program, borrower profile, property type, and market conditions. All terms subject to change without notice. Calculator provides estimates for educational purposes only; actual DSCR calculations and qualification determinations will vary based on lender underwriting guidelines. This calculator does not guarantee loan approval or specific loan terms.