(916) 600-3179
5800 Stanford Ranch Rd. #320, Rocklin, CA 95765

DSCR & No Ratio Options for Investors

“Home isn’t a place… it is a feeling.” ~Anonymous

DSCR & No Ratio Options for Investors also known as a DSCR or Debt-Service Coverage Ratio

Real Estate Investors can confidently apply for loans and be qualified based on the Debt Service Coverage Ratio (DSCR) of the property and not the full Debt to Income Ratio. This means the property’s rental income must be .85% or more of the total mortgage payment. This results in less paperwork, less hassle, and a faster closing.

How to calculate the DSCR ratio:
DSCR = Rent / Proposed PITIA

Purchase, Rate/Term Refinance, or Cash Out:
• Gross Rent = $3,000
• DSCR = 1.00%
• $3,000 divided by 1.00 = $3,000
• PITIA may not exceed $3,000.00 per month
• Gross Rent = $3,000
• DSCR = 0.85% (CA only)
• $3,000 divided by 0.85% = $3,529.41
• PITIA may not exceed $ 3,529.41 per month

We also offer no-ratio lending for those investors that are not able to or don't want to document the rental income.

We know that entrepreneurship doesn't happen overnight, and we offer several special programs. Contact Rocklin Mortgage Brokers to learn about your DSCR and No Ratio investment property options.

What are you waiting for?

Get all the help and advice you need at every stage of the application, from finding the right mortgage to arranging your repayment schedule to move day.

Questions? We'll Put You On A Right Path!

With nineteen years of expereince we will ensure that you are on the right path to home ownership!
(916) 600-3179
Amazing service from Marissa, and our realtor said "wow she's is so fast and responsive" and we thought so too! Efficient process and honest feedback with truthful answers to all of our questions, couldn't ask for a better experience!  
Tom and Joan A.


(916) 600-3179
5800 Stanford Ranch Rd. #320, Rocklin, CA 95765
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