DSCR Loan Routing

Rental-property lending based primarily on the income the property can produce.

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What Lenders Look For

DSCR Ratio

Debt Service Coverage Ratio typically needs to be 1.0 or higher

Rental Income

Documented lease agreements and rent history

Appraisal/Rent Schedule

Rental comparison market analysis

Entity Ownership

LLC, corporation, or individual

FICO/Reserves

Credit score and cash reserves

When DSCR Doesn't Fit

Vacation rentals, short-term rentals, non-rented properties

Business Revenue Authority and Capital Authority Desk are not lenders. We provide education and routing coordination. All funding decisions are made by independent lenders.