Investor DSCR Loan

What's a DSCR Loan?

Debt Service Coverage Ratio

For a DSCR loan, we are looking for the investment property's market rent cash flow to offset the monthly mortgage payment.

That's it!

✅ Focus on property cash flow

✅ No Income or Tax Verification

✅ Credit, Assets, & Reserves Required

✅ Appraisals Typically Required

DSCR Calculator

DSCR Calculator
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Purchase
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Down Payment
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Loan Amount
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Interest Rate
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APR:
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Payment (P&I)
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Property Taxes
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Homeowner's Insurance
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Monthly HOA (if applicable)
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Total Payment (PITI)
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DSCR Ratio
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Down Payment
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Closing Costs (Approx)
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Escrows/ Prepaids (Approx)
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Total Cash Needed
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DSCR Programs available in:

AR, CA, CO, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MD, ME, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NY, OH, OK, PA, SC, TN, TX, VA, VT, WI, WY

Not available in: AL, AK, AZ, CT, ID, MA, MI, MS, NV, OR, RI, SD, UT, WA, WV

Rates/APR and closing costs are subject to change without notice and may vary based on individual circumstances. A Loan Professional will provide you with a Loan Estimate tailored to your selected program. All information provided is subject to change at any time.

Check out other loan product calculators

CONTACT

David Tran

Mortgage Broker

NMLS 1981499

[email protected]

949-523-9494

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Equal Housing Opportunity © 2025 Apache Mortgage Inc, 1082 N Anaheim Blvd Unit 1, Anaheim, CA 92801, 949-298-2980. NMLS ID # 2454357 DRE # 02209550 & 02031005. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions: income, employment, liabilities, credit, and property eligibility. This is not a commitment to lend. Other restrictions apply. [03-2025] Privacy Policy and Reg P.

Equal Housing Opportunity © 2025 Apache Mortgage Inc, 1082 N Anaheim Blvd Unit 1, Anaheim, CA 92801, 949-298-2980. NMLS ID # 2454357 DRE # 02209550 & 02031005. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions: income, employment, liabilities, credit, and property eligibility. This is not a commitment to lend. Other restrictions apply. [03-2025] Privacy Policy and Reg P.