Enter your deal. Get a live rate, DSCR ratio, and monthly payment estimate — pulled directly from DSCRFlow's pricing engine.
DSCR loans qualify based on the property's cash flow — not your W-2s or tax returns. If the rent covers the mortgage, you qualify. Self-employed and portfolio investors use this constantly.
Monthly Rent divided by monthly Mortgage + Taxes + Insurance + HOA. 1.25+ gets best pricing. 1.0+ qualifies at standard terms. Down to 0.75 with a no-ratio program and higher down payment.
FICO, LTV, DSCR, prepay penalty, property type, and state. A 3-year prepay can lower your rate by 0.25–0.375% vs. no prepay. 75% LTV gets best pricing over 80% or 85%.
Streamlined process with no income verification means fewer touchpoints and faster closings. CA, AZ, NV, and ID are not eligible. All other states available through Cornerstone First Mortgage.
0.75 is the absolute minimum. Below 1.0 uses a "no-ratio" DSCR program — higher rates and typically 25–30% down. At 1.0+ you're on the standard program. 1.25+ gets the best pricing tier.
Yes. The live rate is pulled in real-time from DSCRFlow.ai's pricing engine — the same engine behind the application. Rates update based on your DSCR, LTV, FICO, state, property type, and prepay selection.
Yes — select "Yes — STR/Airbnb" in the rental type field. STR properties are eligible. Lenders may apply an income haircut on STR revenue. Use the STR Calculator for an occupancy-adjusted analysis with conservative lender DSCR.
Yes — DSCR loans are business-purpose loans and must close in an LLC or corporation. Single-member LLCs are acceptable. You'll need articles of organization, operating agreement, and good standing certificate.
California, Arizona, Nevada, and Idaho are not eligible. The calculator flags restricted states and disables the rate fetch automatically. All other 46 states are open.
Apply in under 10 minutes. 48-hour approvals, 21-day closes through Cornerstone First Mortgage.
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