#1 Griffin Funding 91.6/100
Publishes sub-1.00 and no-ratio DSCR paths, a 620 credit floor, up to 85% purchase LTV, loans to $4.5M, foreign-national eligibility, and lending in all 50 states and DC.
Visit site: Griffin Funding (opens in a new tab)
DSCR analysis for rental-property investors
Does the rent cover the payment?
Enter price, rent, and the payment components. See modeled coverage, the rent required at each target, and how the ratio holds up when assumptions move.
Enter a few numbers
Run the calculation and the modeled coverage appears here. Taxes, insurance, and dues all sit inside the payment a lender tests.
DSCR lenders, ranked
When the coverage works, these are the eight lenders whose published DSCR criteria we track, ordered by the DSCR Accessibility Score.
How this list is ordered. Ranked by the DSCR Accessibility Score (model accessibility-1.0, computed 2026-08-12) — published criteria only, with an unpublished figure scoring zero rather than being estimated. No lender pays for inclusion, position, or a score, and no lender influences any calculation on this site.
#2 Easy Street Capital 87.8/100
Publishes a no-ratio DSCR path, a 640 credit floor, loans to $3.5M, foreign-national eligibility, and a 30-day typical closing.
Visit site: Easy Street Capital (opens in a new tab)#3 Lima One Capital 72.1/100
Publishes a 1.00 minimum ratio, a 660 credit floor, loans from $85K to $2.5M, and three documented DSCR program variants.
Visit site: Lima One Capital (opens in a new tab)#4 New Silver 71.8/100
Publishes a 0.75 minimum ratio, a 660 credit floor, loans to $3M, and lending in all 50 states and DC.
Visit site: New Silver (opens in a new tab)#5 LendingOne 68.4/100
Publishes the fastest closing time in the research set at 21 days, with a 0.75 minimum ratio and loans from $85K.
Visit site: LendingOne (opens in a new tab)#6 Angel Oak Mortgage Solutions 65.3/100
Publishes a no-ratio DSCR path, a 680 credit floor, loans to $3M, and lending in all 50 states and DC.
Visit site: Angel Oak Mortgage Solutions (opens in a new tab)#7 Visio Lending 52.2/100
Publishes a short-term-rental focused DSCR program and a 30-day typical closing.
Visit site: Visio Lending (opens in a new tab)#8 Kiavi 48.2/100
Publishes a 0.80 minimum ratio and lends in every state except Utah.
Visit site: Kiavi (opens in a new tab)Figures are as published by each lender and change without notice. Confirm current terms directly before relying on them. Nothing here is an offer, a quote, or a preapproval. Disclosure
What these numbers mean
Coverage is one ratio, but it moves for several reasons. These are the figures that explain why.
DSCR
Gross rent divided by the full housing payment. The number a lender starts with.
Rent required
The rent needed to clear a target coverage ratio, at your price and rate.
Maximum payment
The largest payment the rent supports at that target.
Stress cases
What coverage does when rent falls or the rate rises.
Break-even rent
Where the modeled monthly margin reaches zero.
Loan-to-value
Loan balance as a share of property value.
How coverage moves
Rent and the payment
Coverage is a fraction. Rent is the numerator, the full housing payment is the denominator, and taxes and insurance sit inside that denominator. A reassessment after purchase lowers coverage without anything about the tenancy changing.
Price and leverage
A larger down payment shrinks the loan, which shrinks the payment, which raises coverage. That is usually the fastest lever when a deal misses a target ratio by a little.
Rate and term
Rate moves the payment directly. A half-point between quote and lock can be the difference between clearing a target and missing it, which is why the stress cases exist.
Rent evidence
The rent a lender uses is usually the lower of a signed lease and the appraiser's opinion, not your estimate. Model the conservative figure and the optimistic one.
Common questions
What is DSCR, and how is it calculated here?
Debt service coverage ratio compares the property's gross monthly rent with its full housing payment. This calculator uses the common residential convention: gross rent divided by PITIA, which is principal, interest, taxes, insurance, and association dues.
What DSCR do lenders require?
There is no universal floor. Published minimums differ by lender, property type, and loan purpose, and some lenders publish sub-1.00 or no-ratio programs. This site does not publish a threshold it cannot source to a specific lender.
Why does the payment include taxes and insurance?
Because most residential DSCR programs test the full housing payment, not just principal and interest. Leaving them out produces a ratio that looks better than the one a lender will calculate.
What is rent required?
The rent a lender would need to see for the payment to clear a chosen coverage target. It is the calculation run backward, and it is often the most useful number when you are deciding what to offer.
Does this tell me if I will get approved?
No. It models coverage from the figures you enter. A lender decides after an appraisal, a credit review, a reserve check, and its own coverage calculation, which may use a different rent figure than yours.
Is this free, and what happens to my numbers?
Free, and no account is required. Everything you type stays in your browser. Nothing is transmitted, stored, or shared.
Analyze the next one
Compare the numbers side by side and the pattern shows up fast.