How is a DSCR loan sized?

A DSCR loan is sized by two constraints and takes the smaller: (1) the DSCR test, the property's net rental income divided by the lender's required coverage ratio (typically 1.20x) and the loan's debt service per dollar, and (2) the LTV cap. DSCR products underwrite the property's income and the equity, not your personal tax returns, so there is no debt-yield test like CMBS. The smaller of the DSCR-implied loan and the LTV-implied loan is your maximum.

What LTV can I get on a DSCR loan?

As of 2026, stabilized 1-4 unit and small-apartment DSCR loans top out around a 70-75% loan-to-value gold standard (cash-out usually 70%). The no-ratio / high-equity lane, for the well-capitalized investor who prefers a streamlined file or whose property is mid-stabilization, is held near 65% or lower precisely because the substantial equity carries the deal. Foreign-national investor programs cap around 65%. None are high-leverage; the borrower contributes significant equity, which is what makes the streamlined documentation possible.

Can I get a DSCR loan with no income ratio?

Yes, the no-ratio (no-DSCR) lane sizes purely on the property's value and the borrower's equity, with no minimum coverage ratio. The trade-off is a conservative LTV (around 65% or less) and a higher rate. It's built for the equity-rich investor whose property is mid-stabilization or whose income is complex or self-employed, not a high-leverage product. In the sizer below, this lane is bound entirely by the LTV cap.

DSCR Loan Debt Sizer | Max Loan by Program (Free)

Annual Rental NOI

Gross rent minus taxes, insurance, HOA, management, maintenance.Property Value (or Purchase Price)

Lane Producing Largest Loan

DSCR 5–8 Unit / Small Apt: $611K (DSCR binds at 7.25%)

Lane	Rate	Max LTV	Max Loan	Binding	By DSCR / LTV
DSCR 5–8 Unit / Small Apt	7.25%	75%	$611K	DSCR	$611K / $638K
Standard DSCR (1–4 Unit)	7.00%	70%	$595K	LTV	$626K / $595K
Short-Term Rental / Airbnb	8.00%	70%	$595K	LTV	$619K / $595K
DSCR Cash-Out Refi	7.50%	70%	$595K	LTV	$596K / $595K
Foreign National	8.50%	65%	$553K	LTV	$591K / $553K
No-Ratio / High-Equity	9.50%	65%	$553K	LTV	n/a / $553K

Indicative 2026 ranges, not a quote. DSCR loans are sized by DSCR floor + LTV cap (no debt-yield test). LTV honors the gold standard, 70–75% on stabilized rentals, ~65% on the no-ratio high-equity and foreign-national lanes. None are 100% financing. Actual rate, leverage, and DSCR floor vary by credit, property, and market.

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How to Read the Output

Each lane shows the maximum loan it will fund given the property's income and value. The Binding column shows the limiting constraint: "DSCR" means the property's income caps the loan; "LTV" means the equity requirement caps it. If LTV binds, the property cash-flows well and you're leaving leverage on the table by under-borrowing; if DSCR binds, more rent or a lower rate is what unlocks a bigger loan.

The No-Ratio / High-Equity lane is always bound by LTV, it ignores the income ratio entirely and sizes purely on equity, for the well-capitalized investor who wants a streamlined file or whose income is complex or self-employed. The 5–8 Unit lane reaches the highest LTV (75%) because small apartments underwrite more like stabilized multifamily. For a deeper read on which lane fits, see owner-occupied vs leased, the DSCR ratio calculator, and DSCR Loans.

Equity-rich investor with a complex file?

PeerSense structures and places the specialized DSCR lanes, no-ratio high-equity, foreign-national, short-term-rental, with the investor lenders in our network, matched to your property and timeline.

Asset-Based Investor Financing