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What DSCR do I need to get approved for a mortgage on an investment property
A DSCR of 1.0–1.25 is the range most lenders look for when approving a DSCR mortgage, but each lender sets their own minimums. Stronger rental income makes approval easier.
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What DSCR means for your mortgage
- Shows how well rent covers the payment
- Higher DSCR = easier approval
- Lower DSCR = more lender scrutiny
Typical DSCR ranges lenders use
- 1.00–1.10: borderline approval
- 1.15–1.20: standard approval range
- 1.25+: stronger profile
What can help you qualify
- Higher rent or stronger lease
- Lower payment or better rate
- Larger down payment
- Stronger credit profile
What can make approval harder
- Weak rent numbers
- High property expenses
- Low reserves
- Lower credit scores
Check your DSCR buying power.
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Why these questions matter
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