STAGING / REVIEW — forms run demo webhooks (full call chain verified). Live GHL / n8n / Brevo connect by swapping env URLs after QA. If this page took ~20–30 seconds, that is Render free-tier cold start — wait and refresh once.
Explore investment-property financing based on the rental scenario. Get clear answers on purchase, refinance, or cash-out options—without forcing your investment into a conventional homebuyer conversation.
Four DSCR loan-option conversations for investor buyers
Purchase and refinance discussions up to $3M where eligible
Optional 1-, 2-, or 3-year prepayment terms for pricing tradeoffs
Compare monthly rent with estimated monthly housing debt costs.
ESTIMATED RENTAL DSCR
—
Monthly rent ÷ monthly principal, interest, taxes, insurance, and HOA dues. This residential rental estimate uses a fully amortizing fixed-rate loan. It is not a net-operating-income calculation. Lender rent rules, required coverage, fees, and qualifying payments vary. A ratio of 1.00 means entered rent equals these costs; it does not mean approval or positive net cash flow.
Calculations stay in your browser. No contact information is needed to use this tool. Starting values are illustrative; replace them with your estimates. Results are not a loan approval or a rate quote.
THE SHORT ANSWER
What is a DSCR loan?
A DSCR loan is an investment-property mortgage that evaluates rental income against the property’s debt obligations. AREG offers multiple DSCR options for investor purchases and refinances, with loan-amount conversations up to $3M where eligible. Credit, equity, reserves, property eligibility, and lender rules still matter. It is not financing for a home you plan to occupy.
PREPARE FOR THE CONVERSATION
Have these details ready.
Starting information only. Your lender determines final documentation. Send sensitive documents only through the secure process your loan team provides.
Property address, type, estimated value, and purchase contract if available.
Current lease or expected market rent, plus taxes, insurance, and association dues.
Estimated down payment or equity, requested loan amount, and funds available for reserves.
For a refinance: mortgage statement and existing loan terms. Entity documents may be needed if borrowing through an LLC.
STRAIGHT ANSWERS
Before you take the next step.
How is DSCR calculated for a residential rental?
Many residential investor programs compare monthly qualifying rent with principal, interest, taxes, insurance, and association dues (PITIA). The exact income and expense treatment depends on the lender. Commercial-property calculations may instead use net operating income and debt service.
Do I need tax returns or W-2 income?
Some DSCR programs qualify using property rental income instead of personal employment income. That does not mean no documentation: the lender still reviews credit, assets, the property, and other eligibility requirements.
What loan amounts can AREG discuss?
AREG discusses DSCR purchase and refinance options up to $3M where the property, credit, reserves, and program allow. Ask for current requirements for your scenario. Our calculator does not establish eligibility.
Can I use a DSCR loan for a short-term rental?
Ask for a specific review. Short-term rental eligibility, rental-income methods, local restrictions, and lender rules vary. Do not assume a vacation-rental projection is accepted.
Can I refinance or take cash out?
Ask about rental-property refinance and cash-out options. Available equity, seasoning, reserves, pricing, and any prepayment charge need review.
Are there prepayment penalties?
Long-term investors can elect a 1-, 2-, or 3-year prepayment period in exchange for better pricing on some options. Ask for the duration, calculation, and alternatives in writing before choosing a loan.
YOUR PEOPLE AT AREG
A question shouldn’t slow down a closing.
Brooke and John are here for the “can we?” questions. Bring a loan scenario, ask what to collect, or get help choosing your next step.
