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DSCR Loans
Refinance
Calculator
About Us
Resources

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What Is a DSCR Loan?

Learn what a DSCR loan is, how debt service coverage ratios work, and why real estate investors use DSCR loans to qualify based on property cash flow instead of personal income.

DSCR Loan Specialists - Give us a call!

(866) 655-8060

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Content Copyright 2026 Crestmark Lending – DSCR Loan Specialists
Crestmark Lending LLC is a residential mortgage broker

Crestmark Lending NMLS: 2789535
1560 E Southlake Blvd., Suite 100
Southlake, TX 76092

Texas Recovery Fund Notice NMLS Consumer Access

Request a DSCR Refinance Quote

We’ll review your scenario and contact you with available financing options.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Contact Info

First Name*

Last Name*

Phone*

Email*

Property Details

Property Type*

Estimated Property Value*

Property Address

Is the property currently rented?*

Monthly Rental Income*

Are leases in place?*

Current Loan Info

Estimated Current Loan Balance*

Interest Rate*

Monthly Mortgage Payment (PITI)*

Loan Type*

Prepayment Penalty?*

Refinance Goals

Type of Refi*

Desired Loan Amount:*

Use of Cash-Out Funds*

Borrower Profile

Estimated Credit Score*

Ownership Type*

Consent

By submitting this form you agree to a loan officer contacting you regarding the particular inquiry/application.

Request a DSCR Purchase Quote

We’ll review your scenario and contact you with available financing options.

"*" indicates required fields

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This field is for validation purposes and should be left unchanged.

Contact Info

First Name*

Last Name*

Phone*

Email*

Property Details

Property Type*

Property Use*

Property Address

Estimated Purchase Price*

Estimated Loan Amount*

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Estimated Loan Amount (old)*

Investment Profile

Monthly or Expected Rental Income*

Is there a lease or rental history for this property?*

Do you own other investment properties?*

Borrower Profile

Estimated Credit Score*

Entity or Personal Name for Purchase?*

Source of Down Payment*

Consent

By submitting this form you agree to a loan officer contacting you regarding the particular inquiry/application.

Get Started – Quick Rate Quote

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Property Type*

First Name*

Estimated Loan Value*

Last Name*

Estimated Closing Date*

Email*

How Is Your Credit?*

Phone*

Select City*

Contact Preference*

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City Location*

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Estimated Loan Value*

Any Loan Details/Questions:

Rate Assumptions

Mortgage Rate Assumptions

* Rates shown assume a purchase transaction.
* Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 80% for conventional loans; a minimum FICO score of 740; and a loan amount of $300,000 for conforming loans, unless otherwise specified.
* Annual Percentage Rate (APR) calculations assume a purchase transaction.
* Rates may be higher for loan amounts under $300,000. Please call for details.
* Rates are subject to change without notice.
* Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
* Subject to underwriter approval; not all applicants will be approved.
* Fees and charges apply.
* Payments do not include taxes and insurance.
* Assumes – 30 Day Rate Lock.
* Rates based on Texas property.
* Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA, VA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
* Restrictions may apply.
* Lender Fees & Appraisal Fees may apply