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How It Works
DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property's income covers its debt payments.
Total monthly payment includes principal, interest, taxes, insurance, and HOA. If rent is $2,400 and total payment is $2,000, your DSCR is 1.20x.
A 1.0x ratio means rent exactly covers the payment. Most DSCR lenders want at least 1.0x; some go as low as 0.75x with larger down payments.
The higher your DSCR ratio, the better your interest rate. Properties with 1.25x or above typically qualify for the best available pricing.
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