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DSCR (Debt Service Coverage Ratio) measures whether a property's rental income covers its loan payments. Lenders use it to qualify investment properties without relying on your personal income.
PITIA = Principal + Interest + Taxes + Insurance + Association Dues
Excellent
Best rates, most lenders available
Acceptable
Qualifies with most lenders, higher rates
Below Minimum
Few lenders, requires compensating factors
$400,000 single-family rental, 25% down ($300K loan), 7% rate, 30-year fixed
Acceptable — qualifies with most lenders