Run the deal.
Then finance it.
Use the free DSCR Deal Analyzer to estimate cash flow, cap rate, cash-on-cash return and debt-service coverage—then explore investor loan options built around the property.
Illustration only. Run your actual numbers below.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors. Instead of qualifying primarily from your personal employment income, W-2s or tax returns, qualifying is based largely on the investment property's rental income compared with its qualifying housing payment.
That can make DSCR financing especially useful for investors, self-employed borrowers and people building rental-property portfolios.
DSCR Deal Analyzer
Enter the property and financing assumptions. The calculator updates instantly and shows what may need to change to improve the deal.
Property & financing
More than a one-size-fits-all DSCR loan
Investor scenarios vary. Available programs may include options for stronger cash-flow deals as well as more specialized properties and borrowers.
Purchase & Refinance
Finance rental-property purchases, rate-and-term refinances and eligible cash-out transactions.
Low DSCR / No Ratio
A DSCR below 1.00 does not automatically mean the deal is dead. Select programs may allow low-DSCR or no-ratio qualification.
Short-Term Rentals
Options may be available for Airbnb, VRBO and other short-term-rental properties, subject to program requirements.
First-Time Investors
Some programs permit first-time investors when credit, leverage, property and DSCR requirements are met.
Multi-Unit & Specialty
Solutions may be available for 2–4 units and select larger residential investment properties and specialty scenarios.
Entity Vesting
Eligible business-purpose transactions may close in an LLC or other approved entity, depending on the program.
From deal analysis to financing
The goal is simple: help you understand the property first, then identify potential financing paths.
Analyze
Run the property's income, expenses and financing assumptions through the free calculator.
Check the scenario
Share the property type, credit range, leverage and rental strategy so Dave can review potential DSCR options.
Apply when ready
When the deal makes sense, move into the secure mortgage application process and document the transaction.
Explore Potential DSCR Financing Paths
Different investment scenarios call for different approaches. These are general program categories, not individualized offers or approvals.
Standard Rental DSCR
For eligible investment properties with qualifying rental income supporting the proposed housing payment.
Flexible DSCR Review
Some programs may consider lower DSCR or no-ratio scenarios, depending on leverage, credit, reserves and property eligibility.
Specialty Investor Options
Explore select short-term rental, cash-out refinance and specialty property scenarios, subject to program guidelines.
Request a Personal DSCR Loan Review
Submit your contact information below. Dave will follow up to discuss your property, financing goals and potential programs.
Calculator figures are estimates for educational use. This form currently captures contact information; calculator results are not automatically attached to your submission. Dave will confirm the details of your scenario directly. Submitting does not constitute a loan application or credit decision.
Financing built around the deal.
Dave Overholser works with real estate investors on DSCR and other business-purpose financing through NEXA Lending. The focus is practical: understand the property's numbers, identify potential program fits and make the financing process easier to navigate.
Found a deal worth looking at?
Run the numbers, then see what financing options may fit the scenario.