Income
Current lease income, eligible market rent, vacancy, and rental strategy.
DSCR Rentals
Long-term rental financing centered on property cash flow.
Potential programs for qualifying non-owner-occupied rental properties where debt service coverage is a central underwriting measure.
Typical Use
Financing for stabilized investment rentals.
DSCR programs may support purchases, rate-and-term refinances, or cash-out refinances. Each lender defines qualifying rent, expenses, coverage, value, and seasoning differently.
- Non-owner-occupied residential rental property
- Purchase or refinance transactions
- Long-term or eligible short-term rental strategies
- Entity borrowers, subject to program requirements
Lender Review
What may influence a DSCR scenario.
Debt obligations
Principal, interest, taxes, insurance, association dues, and lender methodology.
Property and borrower
Condition, value, market, credit, liquidity, vesting, and ownership experience.
Important
Investment property only.
DSCR programs discussed through Brocks Capital are business-purpose transactions and are not offered for a borrower’s primary residence.
Calculator results are educational
An estimated ratio is not a lender calculation, qualification, approval, or rate quote. Final treatment varies by lender.