Your first DSCR loan starts here
Your first rental.
Your next chapter.
Rental-property financing doesn’t have to feel unfamiliar. Understand the numbers, explore your options and take your next step with a clearer plan.
No hard credit pull from this preliminary form.
Illustrative property
Let’s start with your goal
Where are you in your
rental-property journey?
A first purchase or an existing rental. Start with the path that fits your situation.
Buy a rental.
Understand the financing for a property you’re considering—or one you already have under contract.
Explore this pathRethink your loan.
Review your rental’s existing financing, your current payoff and what you want to change.
Explore this pathExplore your equity.
See what goes into a business-purpose cash-out review for an investment property.
Explore this pathJust exploring? Start with the first-time investor guide.
One concept. A clearer picture.
Let the rental numbers
start the conversation.
A DSCR loan looks at the property’s rental income in relation to its estimated housing payment. Credit, reserves, property details and lender guidelines still matter.
Understand DSCR & PITIAAn educational example
$3,000
÷
$2,400
The rent-to-payment ratio.
Not an approval or a profit forecast.
Illustration only. Program definitions vary. PITIA includes principal, interest, taxes, insurance and association dues; flood insurance may also apply.
01 / The property
Start with the rental.
State, property type, rental strategy and the source of your rent estimate.
Read the guide02 / The financing
Understand your numbers.
Loan amount, payment, down payment and the cash you may need beyond closing.
Read the guide03 / The next step
Know what comes next.
A simple path through documents, property review, underwriting and closing.
Read the guide
Built for your first questions
You don’t need to have
every number yet.
You may be comparing properties, learning the language or figuring out whether a DSCR review is your next step. Start where you are.
Mark unknown rent or expenses honestly.
Learn the difference between down payment and cash needed.
Talk through individual or LLC ownership without guessing.
A straightforward way forward
Less uncertainty.
A more informed next step.
No instant-approval promises. Just a clear starting point for your rental-property financing conversation.
Tell the property story.
Share your goal, rental use and the details you know. Your first rental is welcome in the conversation.
See how the numbers fit.
Use educational estimates to understand rent, payment and leverage—not to replace underwriting.
Review the next move.
Request a guided review or continue to RunMyDSCR for a deeper scenario conversation.
Good questions. Clear answers.
A little clarity
goes a long way.
Start with the questions most first-rental investors are asking.
Explore all questionsCan I start with my first rental property?
Yes, you can use this guided review to describe a first-rental scenario. Investor-experience requirements are program-specific; the website does not make an eligibility decision.
Do I need every number before I start?
No. You can mark rent, expenses and other planning details as unknown. An educational DSCR result needs complete inputs, but missing information can still be identified in a review request.
Is this for a home I will live in?
No. This DSCR channel is for eligible non-owner-occupied investment properties used for business purposes. Primary residences, personal-use second homes and other personal-purpose requests stop this flow.
Does a 1.25 DSCR mean I am approved?
No. It describes the relationship between the entered eligible rent and estimated PITIA. Credit, reserves, property review, documentation, state availability and current lender guidelines still matter.
Can rental income replace personal tax-return income?
In DSCR review, property income may be the primary qualifying focus rather than personal tax-return income. The lender still determines documentation and all program requirements.
Your first step can be a simple one.
Bring the details you know. We’ll help you identify what comes next.