Qualify Based on the Property's Cash Flow, Not Just Your Tax Returns.
DSCR loans let real estate investors finance rental properties using the property's rental income as a key qualification factor. Get the free DSCR Investor Guide and see if this strategy fits your next deal.
Making Mortgage as simple as A, B, Simms.
The Basics
DSCR Loans, Explained Simply
DSCR stands for Debt Service Coverage Ratio. It compares a property's rental income to its monthly housing payment. Instead of focusing mainly on your personal income, many DSCR programs look at whether the property's rent can support the payment.
A DSCR above 1.0 generally means the rent covers the payment. Each lender sets its own minimum DSCR and other requirements.
The DSCR Formula
Estimate Tool
Run a Quick DSCR Estimate
Run a Quick DSCR Estimate
Enter your own numbers — no default rate is shown.
This calculator provides estimates only. It is not a loan offer, pre-approval, or guarantee of terms. Actual qualification depends on lender guidelines, appraisal, rent schedule, credit, and other factors.
Who DSCR Loans May Help
Self-Employed Investors
Whose tax returns show write-offs.
Growing a Portfolio
Investors adding more rentals.
First Rental Property
Buyers purchasing their first investment.
Refinance or Cash-Out
Investors pulling equity from an existing rental.
Ready to Move Forward?
Apply Now for Your DSCR Investment Loan
Already know this is the right path? Skip ahead and start your application with Anna today — she'll guide you through every step.
What's Inside the Guide
The DSCR Investor Guide PDF is a new lead magnet currently being prepared. The download link will be active once the approved guide is uploaded — no broken link is published here.
Your Lender
Why Investors Work With Anna
"I'm Anna Belle Simms. I help investors look at the numbers, understand their financing options, and find creative, solution-oriented paths that fit their goals."
Anna brings a lending background and a creative financing approach to every investor conversation — focusing on the numbers and the strategy that fits each deal, not a one-size-fits-all answer.
Frequently Asked Questions
Do I need to show my personal income?
Many DSCR programs focus primarily on the property's cash flow, but requirements vary by lender. Anna can explain what applies to your situation.
Can I use a DSCR loan for my primary home?
No. DSCR loans are generally for investment properties only.
Can I buy in an LLC?
Some DSCR programs allow LLC vesting. Ask Anna about current options.
Do short-term rentals qualify?
Some programs consider short-term rental income. Guidelines vary.
What states does Anna serve?
New York, Connecticut, Pennsylvania, and New Jersey.
LLC vesting and short-term rental answers should be confirmed with Anna before publishing.
Ready to See If DSCR Fits Your Next Deal?
Get the free DSCR Investor Guide — no application or credit check required.
Get the Free DSCR Investor Guide