Investment & DSCR
What DSCR ratio do I need to qualify?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Most DSCR programs want a ratio of 1.0 or higher, meaning rent at least covers the payment. Some lenders go below 1.0 — even to 0.75 — with a larger down payment, and the best pricing usually starts around 1.25.
A short-term rental's projected income can sometimes push the ratio higher. We'll match your property's ratio to the program with the best rate and down payment.
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