Investor Borrowing Power · DSCR Method · Free
Find your real maximum
purchase price as an investor.
Enter your existing portfolio income, available cash, and target loan terms to see your true borrowing power — calculated the way DSCR lenders actually do it.
DSCR-based methodology
Accounts for existing rentals
Cash vs DSCR constraint check
Credit score adjustment
Investor Profile
How lenders calculate your maximum purchase
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Borrowing Power
Based on DSCR methodology
Maximum Purchase Price
$520,000
Based on 25% down · $130k cash required
Max Loan
$390,000
Est. Rate
7.50%
Portfolio DSCR
1.41
Cash-Limited Max
$600,000
DSCR-Limited Max
$520,000
Required Down
$130,000
Remaining Cash
$20,000
Purchasing Power Comparison
Cash-limited
DSCR-limited
Your Max
Your binding constraint is DSCR — not cash. Increasing rent or down payment unlocks more purchasing power.
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DSCR loans · Portfolio lending · 35 states
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How DSCR Lenders Think
How DSCR lenders calculate your maximum purchase
Unlike conventional lenders who look at your personal income and DTI, DSCR lenders look at the portfolio's income relative to its debt. Your borrowing power is limited by whichever comes first: the cash you have available, or the DSCR the new property can support at the target loan amount.
- Each new property must support its own debt at a DSCR of 1.00 or higher
- Existing rentals are counted as income (helping you qualify for more)
- No conventional loan limits — you can scale past 10 properties
- Higher down payment = lower P&I = better DSCR = larger max purchase
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Get My Free Report →Questions
Common questions answered.
How is investor borrowing power different from conventional?
Conventional loans use your personal income and DTI ratio. DSCR loans use the rental income of each property. This means your borrowing power as an investor is based on rent-to-payment ratios, not W-2 income — which often means you qualify for much more.
Does my existing portfolio help or hurt my ability to buy more?
It helps. DSCR lenders treat each property as its own income-producing entity. Your existing rentals generate income that can be factored into your overall portfolio picture, and there's no hard limit on the number of properties you can own.
What credit score do I need for a DSCR loan?
Most DSCR programs start at 660. Better rates are available at 700+, and the best pricing is at 740+. Credit score affects your rate, not your ability to qualify — as long as the property's DSCR is at or above 1.00.
What's the maximum loan amount for DSCR?
Most DSCR lenders go up to $3–5M per property. Some go higher for strong borrower profiles. There's no portfolio-level cap — you can continue adding properties as long as each one supports its own debt.
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