/use-cases · dscr
Rental income qualifies the deal. Not the borrower's tax return.
Debt service coverage ratio loans for rental properties — 30-year terms, qualified on the property's cash flow rather than the borrower's personal income. The standard product for portfolio builders and BRRRR investors who hold instead of flip.
/how-antal-handles-it
What the AI agents do for dscr.
- Calculates DSCR from rent rolls, lease agreements, and market rents automatically
- Pulls comparable rental data to validate income assumptions
- Handles both purchase and refinance workflows in the same chat
- Manages escrow analysis and monthly servicing post-close
- No W-2 or tax return required — the property speaks for itself
Typical terms
Loan range$100K – $2M
DSCR minimum1.0 – 1.25x
LTVUp to 80%
Rate7.5 – 9.5%
Term30 years
AmortizationInterest-only available
Terms vary by lender guidelines. Your agents enforce your credit box.
Typical borrower
Portfolio investors, BRRRR operators, foreign nationals, self-employed borrowers with heavy write-offs.
/why-it-matters
DSCR is the highest-volume product in private credit rental lending. Automating it well means automating the bulk of a lender's origination pipeline.