★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 500+ Five-Star Reviews on LendingTree ★★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 500+ Five-Star Reviews on LendingTree ★
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Free DSCR Loan Calculator | Integrity Home Lending

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    INTEGRITY HOME LENDING | NMLS #2412324

    Free DSCR Loan Calculator for Investment Properties

    Calculate your DSCR ratio, monthly cash flow, and maximum loan amount. No income verification required. Close in your LLC.

    For investment/business purpose only. Not available for primary residence.

    Calculate Your DSCR Now

    How the DSCR Calculator Works

    Enter your investment property details — purchase price, expected rental income, taxes, insurance, and loan terms — and this calculator instantly computes your Debt Service Coverage Ratio (DSCR), monthly cash flow, and estimated maximum loan amount. The results help you determine if your property qualifies for a DSCR loan through Integrity Home Lending, LLC (NMLS #2412324).

    What Is a DSCR Ratio?

    The Debt Service Coverage Ratio (DSCR) measures whether an investment property’s rental income covers its debt obligations. It is calculated by dividing the property’s gross rental income (adjusted for vacancy) by the total monthly debt service — including principal, interest, taxes, insurance, and HOA.

    Formula: DSCR = Net Operating Income / Total Debt Service (PITIA)

    • DSCR above 1.25 — Strong. Property generates 25%+ more income than its debt payments. Qualifies for the best terms.
    • DSCR 1.0 to 1.24 — Acceptable. Property covers its debt but with a thin margin. Most lenders will approve at 1.0+.
    • DSCR below 1.0 — Below threshold. Property does not generate enough income to cover debt. Does not typically qualify.

    DSCR Loan Requirements

    DSCR loans qualify borrowers based on the property — not personal income. Core requirements through Integrity Home Lending (NMLS #2412324):

    1. Minimum DSCR ratio: 1.0 (some programs allow 0.75 with compensating factors)
    2. Down payment: 20-25% (75-80% LTV)
    3. Credit score: 660+ minimum (best pricing at 720+)
    4. Property type: Non-owner-occupied investment property (SFR, 2-4 unit, condo, townhome, 5+ unit)
    5. Entity closing: Can close in an LLC, LP, or corporation
    6. No income docs: No W-2s, tax returns, or employment verification
    7. Loan amounts: $100K-$3M+ depending on property and program
    8. Seasoning: 0-6 months depending on transaction type

    Why Investors Choose DSCR Over Conventional

    Feature DSCR Loan Conventional Mortgage
    Income verification None — property income qualifies Full docs: W-2s, tax returns, DTI
    Close in LLC Yes No
    Property limit Unlimited 10 (Fannie/Freddie cap)
    Speed to close 14-21 days typical 30-45 days typical
    Self-employed friendly Yes — no income docs Requires 2 years tax returns
    Interest-only option Available Rarely available

    DSCR Loans by State

    Integrity Home Lending, LLC (NMLS #2412324) is licensed to originate DSCR loans in the following 14 states.

    DSCR Loans in Alaska

    Investment property financing for Alaska real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Alabama

    Investment property financing for Alabama real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Colorado

    Investment property financing for Colorado real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Florida

    Investment property financing for Florida real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Georgia

    Investment property financing for Georgia real estate investors. Integrity Home Lending is headquartered in Cumming, GA. Close in your LLC.

    DSCR Loans in Maryland

    Investment property financing for Maryland real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Mississippi

    Investment property financing for Mississippi real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in North Carolina

    Investment property financing for North Carolina real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in New Jersey

    Investment property financing for New Jersey real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Oklahoma

    Integrity Home Lending (NMLS #2412324, OK License MB018168) originates DSCR investment property loans across Oklahoma. Qualify on rental income — no W-2 or tax returns required.

    DSCR Loans in Pennsylvania

    Investment property financing for Pennsylvania real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in South Carolina

    Investment property financing for South Carolina real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Tennessee

    Investment property financing for Tennessee real estate investors. No income docs required. Close in your LLC.

    DSCR Loans in Virginia

    Investment property financing for Virginia real estate investors. No income docs required. Close in your LLC.

    Frequently Asked Questions

    What is a good DSCR ratio for investment property?

    A DSCR ratio of 1.25 or higher is considered strong by most lenders and qualifies for the best terms. A DSCR of 1.0 means the property’s rental income exactly covers the debt payments. Below 1.0 means the property operates at a loss and typically does not qualify. At Integrity Home Lending, we offer programs starting at 1.0 DSCR with competitive terms improving at 1.25 and above.

    How to qualify for a DSCR loan?

    To qualify for a DSCR loan through Integrity Home Lending (NMLS #2412324), the property’s rental income must meet or exceed the monthly debt service obligation (minimum 1.0 DSCR). No personal income verification, tax returns, or employment history is required. You will need a minimum credit score (typically 660+), a down payment of 20-25%, and the property must be a non-owner-occupied investment property. We are licensed in 14 states: AK, AL, CO, FL, GA, MD, MS, NC, NJ, OK, PA, SC, TN, and VA.

    What are the DSCR loan requirements for an LLC?

    DSCR loans can close directly in an LLC’s name. Requirements include: the LLC must be the borrower or title-holding entity, a personal guarantee from the managing member is typically required, the property must be non-owner-occupied, and the DSCR ratio must meet the minimum threshold (usually 1.0+). No personal income documentation, tax returns, or W-2s are needed.

    What are no income verification investment property loans?

    No income verification investment property loans — commonly called DSCR loans — qualify borrowers based on the property’s rental income rather than personal income. There are no W-2s, tax returns, or employment verification required. The lender evaluates the Debt Service Coverage Ratio: if the property’s rent covers the monthly mortgage payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. These are business purpose loans designed for real estate investors.

    What is the difference between a business purpose loan and a conventional mortgage?

    A business purpose loan (like a DSCR loan) is designed for investment properties and qualifies based on the property’s income — not the borrower’s personal income. No tax returns, pay stubs, or W-2s are needed. You can close in an LLC, and there is no limit on the number of financed properties. A conventional mortgage requires full income documentation, cannot close in an LLC, and limits investors to 10 financed properties.

    About Integrity Home Lending

    Integrity Home Lending, LLC (NMLS #2412324) is a wholesale mortgage broker headquartered in Cumming, Georgia, licensed in 14 states. We specialize in DSCR investment property loans, offering no-income-verification financing that closes in your LLC. Our approach is built on transparency, competitive wholesale pricing, and dedicated service from application through closing.

    Licensed in: Alaska, Alabama, Colorado, Florida, Georgia, Maryland, Mississippi, North Carolina, New Jersey, Oklahoma, Pennsylvania, South Carolina, Tennessee, Virginia

    Contact: 877-445-3631 | Sales@IH-Lending.com | 7185 Colfax Ave, Suite 100, Cumming, GA 30040

    How to Calculate DSCR on a Rental Property

    Computing the Debt Service Coverage Ratio for an investment property is a four-step process. The DSCR calculator above does this automatically, but understanding the math lets you sanity-check your numbers and run scenarios on properties you don’t own yet.

    1. Determine gross rental income. Use actual lease income for occupied properties or a market rent estimate from a licensed appraiser (Form 1007) for vacant ones. Short-term rental income from Airbnb/VRBO is acceptable on many DSCR programs using booking history or a 1007 STR addendum.
    2. Calculate total monthly debt service (PITIA). Add Principal + Interest + property Taxes + Insurance + any HOA dues. For new loans, use the proposed payment based on your purchase scenario.
    3. Divide rental income by PITIA. DSCR = Gross Rental Income ÷ PITIA. A result of 1.00 means rent covers debt exactly; 1.25 means rent exceeds debt by 25%.
    4. Compare against program minimums. Most lenders require 1.0+ DSCR. Some Integrity Home Lending DSCR programs accept 0.75 with compensating factors (higher credit, larger down payment, or additional reserves).

    DSCR Investor Loan Programs at Integrity Home Lending

    Once you’ve used the DSCR calculator to verify your property’s ratio, the next step is matching to the right DSCR loan program. Integrity Home Lending offers DSCR investor loans across the full spectrum of investment property scenarios:

    • DSCR purchase loans — Acquire a single-family rental, 2-4 unit property, condo, townhome, or short-term rental.
    • DSCR rate-and-term refinance — Replace existing investment property financing with improved terms, no cash out.
    • DSCR cash-out refinance — Pull equity out of a stabilized rental to recapture renovation capital, fund new acquisitions, or scale a portfolio (BRRRR).
    • Short-term rental DSCR — Finance Airbnb and VRBO properties using booking history or projected market rent.
    • Foreign national DSCR — Investment property financing for non-U.S. citizens with no U.S. credit history (program-dependent).
    • Portfolio DSCR — Coordinated financing across multiple properties under a single set of terms.

    Learn more on our DSCR Investor Loans page or call 877-445-3631 to talk through your scenario.

    Integrity Home Lending, LLC | NMLS #2412324 | 877-445-3631 | 7185 Colfax Ave, Suite 100, Cumming, GA 30040

    Equal Housing Opportunity | www.nmlsconsumeraccess.org

    Licensed in: AK (AK2412324), AL (23350), CO (2412324), FL (MLD 2366), GA (2412324), MD (2412324), MS (2412324), NC (L-216384), NJ (2412324), PA (2412324), SC (2412324), TN (2412324), VA (MC-7702).

    For investment/business purpose only. Not available for primary residence. DSCR loans are non-QM, business-purpose loans.

    This calculator provides estimates for informational purposes only and does not constitute a loan offer, commitment to lend, or guarantee of terms. Actual terms and eligibility may vary. Contact a licensed loan officer for a formal quote. This is not a commitment to lend.