Mbanc's actual Non-QM DSCR math, run on inputs you type in. Rent ÷ PITIA = DSCR. No tax returns, no W-2s, no personal DTI. LLC, trust, and foreign national borrowers welcome. The same DSCR ratio, LTV grid, and overlays your Principal Banker would use on a real file — in under 30 seconds.
Pick the tab that matches how you earn. Get a real estimate in 30 seconds — built on the same Non-QM math our Principal Bankers use when you call. No tax returns, no uploads, no credit pull.
A DSCR loan qualifies the property's cash flow, not your personal income. Mbanc divides gross monthly rent by total PITIA — Principal, Interest, Taxes, Insurance, and HOA. That ratio is your DSCR. A ratio of 1.00 means rent exactly covers the carrying cost; above 1.00 means cash flow.
Take gross monthly rent. Divide by total monthly PITIA (Principal & Interest at the qualifying rate plus monthly Taxes, Insurance, and HOA dues). The result is your DSCR. That's the entire qualifying calculation — your personal income, employment, and tax return don't enter the math.
Example: $3,500 rent ÷ $3,294 PITIA = 1.06 DSCR — clears Mbanc's 1.00 minimum with positive cash flow.
Mbanc's standard DSCR program minimum is 1.00. DSCR-light files between 0.75 and 0.99 may qualify with a 5-point LTV reduction. Files at 1.25+ get the best pricing tier. Short-term rentals carry a 5-point LTV reduction across the board.
A DSCR loan is for real-estate investors. Personal income doesn't matter. What matters is whether the property pays for itself.
The workhorse asset. Long-term tenant cash flow, conventional 1% rule territory.
See your loan path 2-4Duplexes, triplexes, fourplexes. Combined rent across units counts as gross monthly rent.
See your loan path STRSTR-eligible with 5-point LTV reduction. Income from 12-month trailing history or market-rent appraisal.
See your loan path LLCTitle in your LLC. Personal guarantees from members. Standard structure for serious investors.
See your loan path FNNo US tax returns? No problem. DSCR programs accept foreign national borrowers with adjusted LTV.
See your loan path BRRRRBought with cash or hard money, stabilized, and ready to refinance? DSCR cash-out is the path.
See your loan path PORTDTI tight from carrying multiple properties? DSCR ignores your personal DTI entirely.
See your loan path 1stYour first rental — even if you don't own a primary residence yet. Mbanc qualifies the property.
See your loan pathA DSCR loan is an investment property mortgage that qualifies the property itself instead of you. The acronym stands for Debt Service Coverage Ratio — the ratio of the property's gross monthly rent to its monthly debt service (PITIA). If the rent covers the carrying cost, the property qualifies. Your personal income, your DTI, your tax returns, your W-2 — none of it enters the equation.
This is the workhorse loan for the modern real-estate investor. It exists because conventional financing was never built for someone who owns five or fifteen rental properties. By the time an investor has stabilized a small portfolio, their personal DTI is too tight for any conventional bank to read — even though each property is cash-flow positive. DSCR financing solves that exact problem: each property is qualified on its own merits.
What makes DSCR loans different from conventional rental financing:
The three numbers that determine your DSCR qualification:
About the 8% rate this calculator uses. Non-QM rates move with broader market conditions. Rather than show a rate that may be stale next week, this calculator uses a flat 8% assumption — conservative enough that your real rate, determined at full underwriting, is typically lower. A lower actual rate produces a lower P&I, which raises DSCR. If your DSCR clears 1.00 at 8%, you have headroom at the rate you'll actually get.
A Principal Banker will translate this into a real approval — in 60 seconds.
DSCR Rental questions answered without jargon — the way a Principal Banker would walk you through them on a call.
Sixty seconds. No credit pull. A real number from the people who underwrite the loan.