The Gist
DSCR Investor Gist
Qualify on Cash Flow, Not Your W-2
Understand coverage ratios, pricing bands, and the acquire-stabilize-scale cycle for rental property financing.
5 Blinks~12 minutesFree
Your Progress0 / 5 complete
Blink 01 · 2 min
DSCR: The Metric That Replaces Your Tax Return
How rental income becomes your qualification
“Debt Service Coverage Ratio divides the property's rental income by its mortgage payment. A DSCR of 1.0 means the rent exactly covers the debt. Above 1.0, the property qualifies itself — your personal income is irrelevant.”
Tap to readStart Reading →
Blink 02 · 3 min
DSCR Pricing Bands: Where the Rate Lives
How coverage ratio, LTV, and credit move your cost of capital
“DSCR rates aren't one-size-fits-all. They're priced on a matrix of DSCR ratio, LTV, credit score, and property type. Understanding the matrix lets you engineer better terms before you apply.”
Tap to readStart Reading →
Blink 03 · 3 min
The Acquire-Stabilize-Scale Playbook
Building a rental portfolio with DSCR as your engine
“Successful rental investors don't buy one property at a time. They follow a repeatable cycle: acquire with DSCR financing, stabilize the cash flow, then use the equity to scale into the next deal.”
Tap to readStart Reading →
E
EARL · Mortgage Butler
Ready to turn these insights into your actual numbers
Educational content only. Not financial advice. Rates and figures are illustrative.
IRRRL1 NMLS #2560253 · Equal Housing Lender