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.
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):
- Minimum DSCR ratio: 1.0 (some programs allow 0.75 with compensating factors)
- Down payment: 20-25% (75-80% LTV)
- Credit score: 660+ minimum (best pricing at 720+)
- Property type: Non-owner-occupied investment property (SFR, 2-4 unit, condo, townhome, 5+ unit)
- Entity closing: Can close in an LLC, LP, or corporation
- No income docs: No W-2s, tax returns, or employment verification
- Loan amounts: $100K-$3M+ depending on property and program
- 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 13 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 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 13 states: AK, AL, CO, FL, GA, MD, MS, NC, NJ, 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 13 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, Pennsylvania, South Carolina, Tennessee, Virginia
Contact: 877-445-3631 | Sales@IH-Lending.com | 7185 Colfax Ave, Suite 100, Cumming, GA 30040
Integrity Home Lending, LLC | NMLS #2412324 | 877-445-3631 | 7185 Colfax Ave, Suite 100, Cumming, GA 30040
Equal Housing Opportunity | www.nmlsconsumeraccess.org
For investment/business purpose only. Not available for primary residence.
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.
