Compare top DSCR (Debt Service Coverage Ratio) lenders for BRRRR, fix-and-flip, and rental property financing. Calculate your DSCR in seconds. Get matched with the right lender.
Enter your property's annual net operating income and total debt service below.
A DSCR loan (Debt Service Coverage Ratio loan) is a type of commercial or investment property financing where the lender evaluates your ability to service the debt based on the property's income rather than — or in addition to — your personal income. The DSCR formula is:
DSCR = Net Operating Income ÷ Total Annual Debt Service
Most lenders require a DSCR of 1.0 to 1.25 minimum — meaning the property generates at least $1.00–$1.25 for every $1.00 of debt payment. Some lenders accept DSCR as low as 0.43 for well-qualified borrowers. A DSCR above 1.25 is considered strong and can unlock better rates and faster approval.
These lenders specialize in investment property DSCR loans. All accept applications from real estate investors.
DSCR and fix-and-flip loans from $75K–$10M. Fast closings, no tax returns required. Accepts DSCR as low as 0.43.
Co-invest in vetted commercial and multifamily deals. Minimums from $100. Target returns 7–14% IRR. Accredited investors only.
BRRRR, fix-and-flip, and rental property loans from $100K–$5M. DSCR 1.0 minimum. 12-month terms with extension options.
Fix-and-flip and bridge loans for real estate investors. Loan amounts $100K–$5M. Close in 10–20 days. DSCR not required for fix-and-flip.
DSCR and fix-and-flip loans from $100K–$10M+. BRRRR, cash-out refinance, and rental loans. DSCR as low as 0.75 on stabilized properties.
Investment property loans from $100K–$5M. Fix-and-flip, BRRRR, and rental loans. No prepayment penalties. DSCR 1.0–1.25 typical minimum.
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Our Excel templates help you run DSCR analysis, BRRRR calculations, and rental property ROI — in minutes, not hours.