DSCR vs conventional. The rent has to carry it.
Conventional investment loans still look at your income and DTI. DSCR looks at the property's rent versus PITIA. If the house cash-flows, DSCR can be the file. If it does not, forcing DSCR is the wrong product.
- DSCR: 1–4 rentals. Five-plus is a different desk (commercial / agency MF).
- Conventional investment: full-doc or alt-doc on you, not just the rent roll.
- Short-term rental overlays are their own sheet.
Investor / DSCR hubDSCR calculatorDSCR guide
- Can I use DSCR on a house I will live in?
- No. DSCR on this site is business-purpose / investment occupancy. Owner-occupied is a different stack.
Not an approval. Not a rate. Overlay at lock. NMLS #1858674.