What Is a DSCR Loan? Formula, Requirements and Examples
The debt service coverage ratio (DSCR) is net operating income divided by annual debt service, and a DSCR loan uses it to qualify investors on the property’s income instead of personal income. See the formula, a worked 1.45x example, ways to improve coverage, and CR Equity AI’s DSCR terms: 1.00x floor, no tax returns, and a typical close in 9–15 days.
Portfolio Loan vs Individual DSCR Loans — Which Wins?
Stack individual DSCR loans or consolidate into one blanket loan? We break down costs, rates, and risk side by side so you can pick the right structure for your portfolio.