Investor Financing
DSCR - Rental Loans
DSCR financing is designed for real estate investors who want loan options evaluated primarily around rental income, property cash flow, collateral, and the transaction structure rather than traditional owner-occupied income documentation.
Debt Service Coverage Ratio, or DSCR, compares a property's income to its proposed debt payment. These programs can be useful for rental-property investors, portfolio borrowers, short-term rental investors, cash-out refinance requests, and purchase scenarios where the property income is a major part of the underwriting review.
At Pristine Capital, we help review DSCR - Rental Loan requests based on property type, rent or market rent, loan purpose, occupancy, borrower profile, leverage, reserves, credit, and exit strategy. Loan terms, pricing, leverage, documentation, and closing timelines vary by program, property, market, and borrower qualifications.
Potential financing options up to 85% LTV, subject to scenario and lender review.
Program options may be available with DSCR as low as 0.00 in select cases.
Investor-focused underwriting for rental, portfolio, and income-producing properties.
DSCR Calculator
Use this calculator as a quick estimate. DSCR is commonly calculated by dividing qualifying rental income by the monthly debt service and property carrying costs. Actual underwriting may use different income, expense, vacancy, or payment assumptions depending on the lender and program.
Calculate Estimated DSCR
Enter the property, loan, and monthly expense figures to estimate rental coverage.
Income
Loan Details
30yr/40yr Terms with 1st 10 Yr Interest Only Available.
Monthly Payment Details
Enter the proposed monthly payment to calculate DSCR.
As low as 0 (>1 for best pricing)
Example: if qualifying monthly rental income is $10,000 and combined interest-only payment, taxes, insurance, and HOA equal $8,815, the estimated DSCR is 1.13.
Common DSCR - Rental Loan uses
- Purchase or refinance of rental investment properties
- Cash-out refinance for investor-owned real estate
- Portfolio rental-property financing
- Short-term rental and long-term rental scenarios
- Business-purpose residential investment property loans
- Properties where rental income and collateral are central to the financing review
Let Pristine Capital Help
- Review property income, rent roll, market rent, and operating details
- Evaluate leverage, DSCR level, borrower profile, and requested loan purpose
- Identify best possible outcome for purchase, refinance, or cash-out needs
- Structure the request around realistic terms, timing, and documentation expectations
