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DSCR INVESTMENT PROPERTY LOANS

DSCR Investment Property Loans

Your property's income qualifies you. Not your pay stub.

Does my property qualify?

No W-2 required · Close in as few as 5 business days

Run Your DSCR Numbers

Seven calculators — pick the question you need answered.

Cash-Out Refinance DSCR

Calculate post-refinance DSCR after pulling cash out — see if your rental income covers the new loan.

Current Property & Loan
$
$
$
New Loan Terms
$
%
30
$
Your Post-Refi DSCR
Post-Refinance DSCR
—
Enter your numbers
Enter your current property value, existing loan, rental income, and the new loan amount to see your post-refinance DSCR.
Cash Out at Closing —
New Monthly Payment —
Monthly NOI Change —
Post-Refi DSCR —
Typical minimum DSCR: 1.0 (1.25 recommended for approval). DSCR below 1.0 means rental income doesn't cover the mortgage — you must supplement with personal funds.
Estimates only. Actual DSCR depends on verified NOI, credit, and asset documentation. This is not a commitment to lend.

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Enter your info and a DSCR specialist will follow up with your exact numbers.

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Cash-out DSCR estimates. Actual DSCR based on verified rental income and loan terms.

BRRRR Loop Projection

Buy · Rehab · Rent · Refinance · Repeat — project your investor loop.

Deal Inputs
$
$
$
%
Refinance Inputs
%
%
Operating Inputs
$
%
$
Multi-Cycle Projection
3
$
Single Cycle Results
Cash Back at Refi
$14,563
$14,563 cash back
Total Cash Invested $212,175
Refi Loan Amount $233,750
Holding Costs $7,175
Net Out of Pocket -$21,575
Cash is recycled for the next deal.
Cycle Projection
Portfolio ARV
$825,000
3 cycles to milestone
Total Monthly Cash Flow -$1,394
Total Debt $701,250
Cycle Invested Cash Back Portfolio ARV
1 $212,175 $14,563 $275,000
2 $197,613 $14,563 $550,000
3 $197,613 $14,563 $825,000
Estimates only. Actual returns depend on actual rehab costs, rent, and refi terms. This is not a commitment to lend.

Get Your BRRRR Projection Report

Enter your info and a DSCR specialist will follow up with your complete loop analysis.

Email My Report

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BRRRR estimates. Actual returns depend on actual rehab costs, rent, and refi terms.

Cash-on-Cash & Cap Rate

Side-by-side investor metrics — Cap Rate and CoC — to evaluate rental property deals.

Purchase & Financing
$
%
%
yr
$
$
Income & Expenses
$
%
%
Your Metrics
Cap Rate
—
Enter your numbers
Cash-on-Cash Return
—
Enter your numbers
Enter purchase price, down payment, rent, and expenses to calculate your Cap Rate and Cash-on-Cash return.
Purchase Price—
Cash Invested—
Effective Gross Income (Annual)—
Operating Expenses (Annual)—
NOI (Annual)—
Annual Debt Service—
Annual Cash Flow—
Benchmarks: Cap Rate ≥6% = good (varies by market). CoC ≥8% = strong investor return.
These are estimates. Actual returns depend on vacancy, expenses, and financing. Consult a tax professional.

Get Your Investor Metrics Report

Enter your info and an investment specialist will follow up with a detailed analysis.

By submitting, you agree to our Privacy Policy.

Investor Flex — Max Borrowing Capacity

Given a property's expected rent, find the largest loan that still hits your DSCR target.

New Property
$
$
%
%
$
Loan Terms
%
30
1.25x
Your Maximum Loan
Max Loan Amount at Target DSCR
—
Enter your numbers
Enter the property's purchase price, expected rent, and your target DSCR to see how much you can borrow.
Effective Annual Rent —
Annual Operating Expenses —
Net Operating Income (NOI) —
Max Annual Debt Service —
Implied LTV —
Required Down Payment —
How this works: Max loan = the loan amount whose monthly payment leaves your DSCR exactly at your target. Higher rents or lower target DSCR raise your borrowing power.
Estimates only. Actual max loan depends on verified rents, credit, reserves, and lender overlay. Not a commitment to lend.

Get Your Investor Flex Report

Enter your info and a DSCR specialist will follow up with your exact borrowing-capacity numbers.

Email My Report

By submitting you acknowledge the Privacy Policy and Terms.

Borrowing-capacity estimates. Real max loan depends on full underwriting (income, credit, reserves, property type).

Cash-on-Cash Return Calculator

The investor's yield metric. Cash flow divided by cash invested.

Investment Details
$
$ %
$
$
$
$
$
Your Cash-on-Cash
Cash-on-Cash Return
0.0%
Below Market
Below market benchmarks. Cash flow underperforms S&P (~7%) and T-bills (~5%) on yield alone.
Annual Cash Flow$0
Total Cash Invested$0

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Cap Rate Calculator

Net Operating Income divided by property value — the classic CRE yield metric.

Property Details
$
$
$
Your Cap Rate
Capitalization Rate
0.00%
Negative NOI
Operating expenses exceed income. The property is not generating positive NOI before debt service.
Typical Colorado rental cap rates: 5–7% (market-dependent).
Net Operating Income (NOI)$0

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

STR / Airbnb Revenue Projection

Model short-term rental gross revenue and the implied DSCR coverage.

STR Inputs
$
65%
$
$
$
Your Projection
Implied DSCR
—
Needs Work
Income falls short. Revisit nightly rate assumptions, occupancy, or purchase price to improve the cash flow math.
Monthly Gross Revenue$0
Annual Gross Revenue$0
Annual NOI$0

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Why conventional loans don't work for investors

Conventional underwriting was designed for W-2 homeowners — it systematically excludes the people who build wealth through real estate.

Income that doesn't count

Rental income, Airbnb revenue, LLC distributions — conventional lenders discount or ignore all of it. They only accept W-2 income, which most serious investors don't have.

Tax returns that hurt you

Smart investors minimize taxes through depreciation. But conventional lenders use your tax return as income proof — the lower your taxes, the less you "earn" in their eyes.

DTI that punishes growth

Every property adds to your debt-to-income ratio. Conventional lenders see 10 cash-flowing properties as a liability, not an asset. Your success becomes the reason for denial.

Seasoning rules that stall BRRRR

Conventional refinance requires 6-12 months of ownership before you can pull equity. DSCR lets you pull equity immediately after stabilization — no seasoning wait.

Who uses DSCR loans

Designed for investors who build wealth through property income — not a paycheck.

​Fix & Flip Investors

Bridge capital fast, then a DSCR refi once the property is stabilized and rented.

​BRRRR Strategists

DSCR is the refi engine of BRRRR. Pull equity immediately — no 12-month seasoning wait.

​Portfolio Builders

Each property qualifies independently on its own DSCR. No stacking against personal DTI.

​Airbnb & STR Operators

Programs count short-term rental income using 12-month averages or market rent analysis.

​Self-Employed Investors

DSCR doesn't look at your tax returns. Only the property's rent-to-payment ratio matters.

​Multi-Family Investors

More units means more income streams — DSCR ratios are typically stronger on multi-family.

Get a full property specific pre-qualification

Tell us about the property. We'll send back a DSCR analysis, rate scenarios, and a same-day pre-qual estimate.

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By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

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Frequently asked questions

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income a property generates relative to the mortgage payment. If the property income covers the debt, you qualify — no W-2 or tax returns required.

DSCR = Monthly Rental Income divided by Monthly Mortgage Payment (PITIA). A DSCR of 1.0 means the property breaks even. Most programs require 1.0 or higher, though some accept 0.75+ with compensating factors like higher credit scores or lower LTV.

Minimum 620 FICO score is required (HCP Verified). Higher credit scores unlock better rates, lower down payment requirements, and more favorable terms.

Yes. DSCR programs accept both long-term rental income and short-term rental (Airbnb/VRBO) income. STR income is typically calculated using a 12-month average or market rent analysis.

DSCR loans can close in as few as 5-10 business days. Streamlined underwriting — focused on property performance rather than personal financial documentation — allows significantly faster closings than conventional loans.

This calculator provides estimates only and is not a commitment to lend. Actual rates, terms, and DSCR qualification subject to lender approval, creditworthiness, and property evaluation. Jon Howard · NMLS #2587985 · Homestead Capital Partners · NEXA Lending, a DBA of NEXA Mortgage, LLC · NMLS #1660690 · Equal Housing Lender.

Equal Credit Opportunity Act Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Homestead Capital Partners is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.