Free Investor Guide
The DSCR Playbook: qualify on the property, not your paperwork.
Everything a rental investor needs to know about DSCR financing — how the ratio works, what actually moves it, how LLC vesting protects you, and how investors turn one property’s equity into the next door. Direct, numbers-first, no consumer-mortgage fluff.
What is DSCR?
DSCR — Debt Service Coverage Ratio — is the property’s monthly rent divided by its full monthly payment (principal, interest, taxes, insurance, association dues). At 1.0 the property pays for itself. Above 1.0, it pays you. Below 1.0, ask about no-ratio programs.
What’s inside the playbook?
- How lenders compute your ratio — and the levers that move it before you apply
- Why your tax strategy stays your business: qualification without W-2s, returns, or DTI
- LLC vesting: protecting yourself while building the portfolio right
- Short-term rentals: how Airbnb/VRBO revenue is treated in underwriting
- The cash-out ladder: using one door’s equity to buy the next