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What’s considered a “good” DSCR when applying for a rental property mortgage
A “good” DSCR for a rental property mortgage is typically 1.20–1.25 or higher, showing the rent comfortably covers the payment. Stronger DSCR numbers usually mean easier approval and better terms.
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What lenders consider a strong DSCR
- 1.20–1.25: solid approval range
- 1.25–1.40: strong profile
- 1.40+: excellent rental coverage
Why a higher DSCR helps
- Shows lower payment risk
- Supports better pricing
- Reduces lender conditions
- Improves overall approval odds
What can raise your DSCR
- Higher rent or stronger lease
- Lower interest rate
- Lower property taxes or insurance
- Larger down payment
What can lower your DSCR
- High expenses
- Weak rent numbers
- Rising insurance or taxes
- Short‑term rental volatility
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Why these questions matter
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