GetMyDSCR.com
Investor financing · NMLS 2567464

The rent qualifies
the loan.
Not your W-2.

DSCR loans for real estate investors. We size the deal off your property’s rental income — no tax returns, no DTI, no employer verification. Run the math in 30 seconds, then talk to a human.

Calculate my DSCR Talk to a specialist
0
Day close
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Max LTV
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Tax returns
DSCR snapshot
Live
Monthly rent
$0
Monthly PITIA
$0
DSCR
0.00x
<1.0 1.15 1.25 1.5+
Sample: $350K Texas single-family at 7.5% / 20% down. Run your own numbers below.
NMLS 2567464
Verified on Consumer Access
Equal Housing Lender
Fair lending compliant
Texas-licensed
Expanding nationally
Close in LLC
Personal name optional
Programs

What we finance.

DSCR-qualified investment property loans across the property types Texas investors actually buy. One framework, one closing team.

Run the math on yours
How it works

Three numbers.
One ratio. Done.

01
Rent

Estimate the rent

Use a current lease, a recent rent comp, or a Rentometer / Zillow estimate. We verify it during underwriting via a 1007 / 1025 rent schedule.

02
PITIA

Estimate the payment

Principal, interest, property taxes, insurance, and HOA — together known as PITIA. The calculator below does it in real time.

03
Ratio

Divide

Rent ÷ PITIA = DSCR. Above 1.0 = the rent covers the payment. Above 1.15 = qualifies. Above 1.25 = preferred pricing.

Timeline

21 to 30 days,
start to funded.

The DSCR process is faster than agency loans because there are fewer income documents to chase. Here’s what to expect.

  1. 1
    Day 1

    Submit application

    Property address, rent estimate, purchase contract or refi info. 20 minutes.

  2. 2
    Day 1–2

    Pre-quote issued

    You receive rate, terms, down payment, closing costs, and a checklist.

  3. 3
    Day 3–10

    Appraisal + title

    We order both same day. Appraisal includes a rent comp (1007/1025).

  4. 4
    Day 10–18

    Underwriting

    DSCR verified against appraised rent. Clear conditions, send to closer.

  5. 5
    Day 18–28

    Clear to close

    Funds wired to title. You sign — at title, mobile notary, or remote.

  6. 6
    Day 28–30

    Funded

    Loan records. Keys + tenant transition complete (purchase) or cash hits account (refi).

Calculator

Run your DSCR.

Live calculation as you type. Estimates only — final DSCR depends on appraisal, rent comp, and underwriting.

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Got an address? See the market rent estimate.

RentCast market estimate based on rental comps. Final DSCR underwriting will use the appraiser's rent schedule (Form 1007/1025) or existing lease — use this as a starting point, not a guarantee.

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Your DSCR
Live
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Enter values to compute
Loan amount
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Monthly P&I
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Monthly tax
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Monthly insurance
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Monthly HOA
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Monthly PITIA
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Get a real quote on this property
Talk to us

Get a real
DSCR quote.

One of our investor-loan specialists will reach out within 1 business day with a pre-quote and a list of what we need to close.

  • No personal income docs required
  • Close in an LLC or your name
  • 1–4 unit, condo, or short-term rental eligible
  • Typical close: 21–30 days
Direct line
(903) 402-5626
Mon–Fri 9–6 CT

By submitting, you agree we may contact you about your inquiry. Operated by Q Mortgage LLC · NMLS 2567464.

FAQ

DSCR,
demystified.

Don’t see your question? Ask us directly — our loan specialists answer within a business day.

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is an investment-property mortgage that qualifies the borrower based on the property’s rental income rather than personal income or tax returns. The DSCR ratio is calculated as monthly rent divided by monthly PITIA (principal, interest, taxes, insurance, HOA).

What DSCR do I need to qualify?

Most lenders require a DSCR of 1.15 or higher for standard pricing. Some programs go as low as 1.0 with larger down payments or stronger reserves. A DSCR of 1.25+ unlocks preferred pricing and better LTV options.

Do I need to show tax returns or W-2s?

No. DSCR loans qualify the property, not the borrower’s personal income. We verify the rent (via lease or rent comp), the property value (via appraisal), and your credit. No DTI calculation, no tax returns, no employer verification.

Can I close in an LLC?

Yes — most DSCR loans close in an LLC or other entity name, which is the standard structure for rental-property holdings. We can also close in your personal name if preferred.

What states do you lend in?

GetMyDSCR is operated by Q Mortgage LLC (NMLS 2567464), currently licensed in Texas. We expect to expand to additional states as licensing is granted. If you’re outside Texas and want to be notified when we open in your state, reach out via the form.

How long does a DSCR loan take to close?

Typical timeline is 21–30 days from full application to funding, assuming appraisal and title don’t encounter delays. We’ve closed cleaner files in under 18 days when the borrower has documentation ready upfront.

What credit score do I need?

Most DSCR programs start at a 660 minimum FICO. 700+ unlocks better pricing and higher LTV. Below 660 is possible on certain non-prime programs with larger down payments and reserves.

How much do I need to put down?

Purchase: typically 20–25% down. Rate-and-term refi: up to 80% LTV. Cash-out refi: up to 75% LTV on strong DSCRs (1.25+). Specific numbers depend on credit, DSCR, and property type.

Coming Q3 2026

The Texas
DSCR Index.

Quarterly metro-level data on rent-to-PITIA ratios, investor activity, and DSCR loan availability across DFW, Houston, Austin, and San Antonio. Powered by ICE Mortgage, CoreLogic, and ATTOM data when access lands.

Get notified
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