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Some lenders only take 10% in stable markets with strong rental demand.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Pro tip:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" If you can get a signed lease before closing—even at a slightly below-market rate—most lenders will use actual lease terms instead of discounted market rent. 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That \"estimate\" you're using might be $150/month low.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Assuming Today's Rate","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h3"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"DSCR loan rates move. A lot. The rate you saw online last week might not be available when you apply. Get a real quote before finalizing your analysis, especially on deals where you're close to the minimum threshold.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"type":"horizontalrule","version":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Now You Know Where You Stand","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your DSCR isn't just a number—it's the key that unlocks (or blocks) your financing options. Run your numbers, see where you land, and go into lender conversations knowing exactly what to expect.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A strong ratio means you shop confidently. A borderline ratio tells you where to focus—whether that's adjusting your down payment, negotiating on price, or targeting lenders who specialize in tighter deals.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"And if your DSCR isn't where you want it? 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37:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is a good DSCR for a rental property loan?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most lenders prefer 1.25 or higher, which provides a 25% income cushion above your payment. However, ratios between 1.0 and 1.25 still qualify with many DSCR lenders—you'll just have fewer options and potentially higher rates. A DSCR above 1.50 puts you in excellent position to negotiate better terms.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I get a DSCR loan with a ratio below 1.0?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes, some lenders finance properties with DSCRs as low as 0.75. You'll typically need a larger down payment (25-30%), strong credit above 700, and 12+ months of reserves. Expect interest rates 1-2% higher than positive cash flow deals to compensate for the added risk.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What expenses are included in the DSCR calculation?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The debt service (denominator) includes PITIA: principal, interest, property taxes, insurance, and any HOA or association dues. Some lenders also factor in property management fees and maintenance reserves when calculating NOI on the income side.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How is DSCR different from debt-to-income ratio?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"DTI measures your personal debts against your personal income—what you earn on your W-2 or tax return. DSCR measures the property's income against the property's debt. Your personal finances aren't part of the DSCR equation, which is why these loans are popular with investors who want to scale without income verification limits.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Do DSCR loans require income verification?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"No traditional income verification is required. You won't need tax returns, W-2s, or pay stubs. Lenders verify the property's income potential through rent rolls or appraisal and confirm you have funds for down payment and reserves. That's what makes these loans attractive for self-employed investors.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],"$L39","$L3a","$L3b","$L3c","$L3d"]}]]}]
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39:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What credit score do I need for a DSCR loan?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most DSCR lenders require a minimum of 660, with 700+ getting the best rates. Above 740, you're in the premium pricing tier. Some specialized lenders work with scores down to 620, but expect significantly higher rates and larger down payment requirements.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How do lenders calculate DSCR for vacant properties?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"They use appraised market rent, typically reduced by 10-25% to account for vacancy risk and lease-up time. If you already have a signed lease (even if the tenant hasn't moved in yet), most lenders will use actual lease terms instead of the discounted market rent estimate.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I use projected rent instead of actual rent?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Generally, no. Lenders want current market rent or actual lease rate—whichever is lower. You can't project above-market rent based on planned improvements. The exception: some lenders will use projected rent on value-add deals, but they'll hold back funds until you deliver the improvements.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3c:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the minimum down payment for DSCR loans?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most DSCR loans require 20-25% down for purchases. Cash-out refinances typically cap at 70-75% LTV. If your DSCR is on the lower end, increasing your down payment is often the easiest way to qualify or unlock better rate tiers.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3d:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does my DSCR affect my interest rate?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L34",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Higher DSCRs generally qualify for lower rates because they represent lower risk to lenders. A property at 1.40 DSCR might get rates 0.25-0.50% better than one at 1.10 DSCR—same borrower, same credit score, same LTV. Strong cash flow properties simply get better terms.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3f:["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#1-put-more-down","children":"1. Put More Down"}]
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