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Industry average --
Bypass DSCR fail with 25%+ equity — Truss Financial Group's "no ratio" product
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Lender-Grade Formula
Same calculation used by the top residential DSCR lenders in the United States.
Real-Time Rates
Estimated interest rates based on current industry averages for your FICO and LTV profile.
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Frequently Asked Questions
Most lenders require a minimum DSCR of 1.00, meaning your rental income at least equals your total monthly payment (PITI). A DSCR of 1.25 or higher is considered strong and may qualify you for better rates and terms. Some lenders offer "no ratio" products for properties that fall below 1.00 DSCR if you have sufficient equity.
DSCR is calculated by dividing the property's gross monthly rental income by the total monthly debt obligation (Principal + Interest + Taxes + Insurance + HOA).
Most DSCR loan programs require a minimum credit score of 660. Higher scores (720+) qualify for significantly better interest rates.
Yes, some lenders offer "no ratio" DSCR products for properties where rent doesn't fully cover the debt service. These typically require 25% or more equity.