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Introducing OneDSCR: A simpler way to qualify for DSCR rental loans.

OneDSCR is a specialized platform for rental-property investors. DSCR financing starts with the property — whether the rent can reasonably cover its debt — not with your pay stubs.

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Up to 80%
Purchase LTV
650
Minimum FICO
$75K
Minimum loan
46 states
Lending footprint

Why we built it

Financing should start with the property.

Most financing is built around a traditional paycheck — tax returns, employment history, and a debt-to-income ratio. For real estate investors, who often have strong properties but complex personal income, that process can stall a deal that otherwise makes perfect sense.

If the property's rental income supports its debt obligations, it may qualify for a DSCR financing structure without relying on traditional personal income qualification.

We built OneDSCR to make that first step clear. Estimate where a property stands, understand the scenario, and move forward only when the numbers work — instead of wading through paperwork just to find out.

The difference

What makes DSCR different?

Traditional underwriting centers on your personal finances. DSCR underwriting centers on the property's economics.

Traditional financing
DSCR financing
Personal income
Property income
Tax returns / W-2s
Rental income
Employment history
Property economics
Personal DTI
Property debt coverage

DSCR doesn't mean the borrower doesn't matter. It means the property's ability to support its debt becomes a central part of the underwriting.

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The idea

One focus, done well.

OneDSCR does one thing: make DSCR rental financing easy to understand and easy to start.

Property-first

Your property's rental income can play the primary role in qualification, rather than traditional personal income documentation.

An estimate in minutes

Estimate a property's DSCR before any full application or credit pull.

Built to grow with you

Purchase, refinance, and cash-out options for investors in 46 states.

Start with the numbers

See how your property looks — in minutes.

Enter a property's price, expected rent, and a few costs for an instant read on its DSCR. No login, no credit pull, no obligation.

Property details
$
%
%
$
$
$
$
Estimated loan amount$320,000
1.11
Estimated DSCR
Qualified — standard coverage
Monthly rent$3,000
Total debt service$2,708
Net monthly cashflow$292
Est. cash-on-cash return4.4%
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Estimate only, based on a 30-year fixed structure. Cash-on-cash uses your down payment as cash invested. Actual rates, terms, and DSCR requirements vary by property, profile, and program.

Go deeper

The details, when you want them.

This is the short version, on purpose. When you're ready for the full mechanics — the numbers behind DSCR, real scenarios, requirements, and what a qualifying deal looks like — our guides cover it in depth.

DSCR Full Guide

How DSCR loans actually work

The ratio behind the loan, the numbers that move it, and what a qualifying deal looks like — with a real example.

Read the guide Qualification Guide

What it takes to qualify

Credit, LTV, reserves, documents, and where OneDSCR lends — the requirements, translated into plain terms.

Read the guide

Quick answers

A few common questions.

OneDSCR is a specialized platform for DSCR rental loans. It helps real estate investors see whether a property's rental income may support financing and explore options based primarily on the property rather than traditional personal income documentation.
A DSCR (Debt Service Coverage Ratio) loan is financing for an investment property that is evaluated primarily on whether the rent covers the property's debt. For the full explanation, see the DSCR guide.
Many DSCR programs look for a ratio of 1.0 or higher, but it varies by program. At OneDSCR, financing may be available down to a 0.75 DSCR depending on the property and your profile — often with a lower LTV or additional reserves.
DSCR programs may qualify borrowers without traditional income documentation, depending on the program — because the evaluation is property-first. Specific documentation requirements vary by program.
Yes. First-time investors can be considered, depending on the program and the property's rental economics. See the qualification guide for details.
LLC vesting can be available depending on the program, which is common for investors who hold rental properties in a business entity.
OneDSCR works with a minimum FICO target of 650. Stronger credit can open better pricing and higher leverage, but qualification also depends on the property and program.
Yes. OneDSCR supports purchase, rate-and-term refinance, and cash-out refinance on investment properties, subject to program guidelines.
DSCR loans at OneDSCR start at a $75,000 minimum loan amount, with leverage up to 80% LTV depending on the property, your profile, and the program.
Start with the calculator to estimate your DSCR, then get approved when the numbers look right. There's no credit pull to begin.

Ready when you are

See where your property stands.

Start with the numbers. Estimate your DSCR in minutes, then take the next step when the deal makes sense.

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OneDSCR provides DSCR financing information and tools for real estate investors. Figures shown are general program guidelines, not commitments or guarantees, and are illustrative only. Qualification, terms, and availability depend on the specific property, your profile, and the financing program, and are subject to full review. This page is for informational purposes and is not financial advice.