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DSCR INVESTOR GUIDE · 2026 EDITION

Run the numbers. Pick the market.
Buy the boring, financeable house.

The complete DSCR system for rental investors: five live calculators, the 2026 hot-markets intelligence, a full e-learning course, and the book that ties it all together. Independent market analysis and education. Not a lender, not a loan offer.

Run your numbers now Get the 2026 Guide
The 2026 DSCR Investor Guide book cover: The Property Qualifies. Not Your W-2.
2026 Edition · 51 pages · included with membership
5 live calculators 10 validated 2026 markets 9 course modules Q3 2026 data, refreshed quarterly

The five DSCR calculators, right here

Screen a purchase, size a cash-out, project a BRRRR loop, compare returns, and solve your borrowing power backwards. Free, instant, no signup. Want your results reviewed? Each calculator can send your numbers to our investor desk.

Will this property qualify for a DSCR loan?

Find out in 60 seconds.

Skip the tax returns, pay stubs, and DTI math. DSCR loans qualify on one thing: whether your rental property's income covers the mortgage payment.

Property & Loan Details
$
$
25%
7.75%
$
$
$
Your DSCR Result
Debt Service Coverage Ratio
1.00
Qualifies
Your property cash flows at or above 1.0 DSCR: strong qualification across most programs.
Loan Amount$318,750
Principal & Interest$2,284
Taxes$400
Insurance$117
HOA$0
Total PITIA$2,801
Monthly Cash Flow$399

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Cash-Out Refinance DSCR

Calculate post-refinance DSCR after pulling cash out: see if your rental income covers the new loan.

Current Property & Loan
$
$
$
New Loan Terms
$
%
30
$
Your Post-Refi DSCR
Post-Refinance DSCR
:
Enter your numbers
Enter your current property value, existing loan, rental income, and the new loan amount to see your post-refinance DSCR.
Cash Out at Closing :
New Monthly Payment :
Monthly NOI Change :
Post-Refi DSCR :
Typical minimum DSCR: 1.0 (1.25 recommended for approval). DSCR below 1.0 means rental income doesn't cover the mortgage: you must supplement with personal funds.

Want a specialist to run your exact scenario?

Get My Cash-Out Analysis
Estimates only. Actual DSCR depends on verified NOI, credit, and asset documentation. This is not a commitment to lend.

Get Your Cash-Out Refi Report

Enter your info and a DSCR specialist will follow up with your exact numbers.

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Cash-out DSCR estimates. Actual DSCR based on verified rental income and loan terms.

BRRRR Loop Projection

Buy · Rehab · Rent · Refinance · Repeat: project your investor loop.

Deal Inputs
$
$
$
%
Refinance Inputs
%
%
Operating Inputs
$
%
$
Multi-Cycle Projection
3
$
Single Cycle Results
Cash Back at Refi
:
Enter your numbers
Total Cash Invested $205,000
Refi Loan Amount $233,750
Holding Costs $7,875
Net Out of Pocket -$28,750
Cash is recycled for the next deal.
Cycle Projection
Portfolio ARV
$825,000
1 cycle to milestone
Total Monthly Cash Flow $3,640
Total Debt $701,250
Cycle Invested Cash Back Portfolio ARV
1 $205,000 : $275,000
2 $159,875 : $550,000
3 $114,750 : $825,000

Want a strategist to optimize your BRRRR loop?

Plan Your BRRRR
Estimates only. Actual returns depend on actual rehab costs, rent, and refi terms. This is not a commitment to lend.

Get Your BRRRR Projection Report

Enter your info and a DSCR specialist will follow up with your complete loop analysis.

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BRRRR estimates. Actual returns depend on actual rehab costs, rent, and refi terms.

Cash-on-Cash & Cap Rate

Side-by-side investor metrics: Cap Rate and CoC: to evaluate rental property deals.

Purchase & Financing
$
%
%
yr
$
$
Income & Expenses
$
%
%
Your Metrics
Cap Rate
:
Enter your numbers
Cash-on-Cash Return
:
Enter your numbers
Enter purchase price, down payment, rent, and expenses to calculate your Cap Rate and Cash-on-Cash return.
Purchase Price:
Cash Invested:
Effective Gross Income (Annual):
Operating Expenses (Annual):
NOI (Annual):
Annual Debt Service:
Annual Cash Flow:
Benchmarks: Cap Rate ≥6% = good (varies by market). CoC ≥8% = strong investor return.

Want a detailed investment analysis?

Get Your Pro Forma
These are estimates. Actual returns depend on vacancy, expenses, and financing. Consult a tax professional.

Get Your Investor Metrics Report

Enter your info and an investment specialist will follow up with a detailed analysis.

By submitting, you agree to our Privacy Policy.

Investor Flex: Max Borrowing Capacity

Given a property's expected rent, find the largest loan that still hits your DSCR target.

New Property
$
$
%
%
$
Loan Terms
%
30
1.25x
Your Maximum Loan
Max Loan Amount at Target DSCR
:
Enter your numbers
Enter the property's purchase price, expected rent, and your target DSCR to see how much you can borrow.
Effective Annual Rent :
Annual Operating Expenses :
Net Operating Income (NOI) :
Max Annual Debt Service :
Implied LTV :
Required Down Payment :
How this works: Max loan = the loan amount whose monthly payment leaves your DSCR exactly at your target. Higher rents or lower target DSCR raise your borrowing power.

Want a DSCR specialist to validate this scenario?

Get My Borrowing Capacity Letter
Estimates only. Actual max loan depends on verified rents, credit, reserves, and lender overlay. Not a commitment to lend.

Get Your Investor Flex Report

Enter your info and a DSCR specialist will follow up with your exact borrowing-capacity numbers.

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Borrowing-capacity estimates. Real max loan depends on full underwriting (income, credit, reserves, property type).

One system, three tools

📘

The Book

The 2026 DSCR Investor Guide: 15 chapters. The evergreen calculator playbook plus this year's hot markets in one edition. Every worked example computed with the actual live calculators.

🎓

The Course

Nine modules mirroring the book chapter for chapter: guided calculator walkthroughs, run-your-own-numbers exercises, and quizzes. Read the chapter, then do the module.

🧮

The Calculators

DSCR Ratio, Cash-Out Refi, BRRRR Loop, CoC & Cap Rate, and the Blueprint. Free, instant, in your browser, right on this page.

Where the math still works in 2026

At today's rates, a rental needs roughly a 0.80%+ monthly rent-to-price ratio to pencil. That one fact redraws the investing map. Our 25-metro screening validated ten markets. Here are the top five:

#MarketMedian SFRRentRent-to-priceEst. metro DSCR
1Cleveland, OH$140K$1,2500.89%~1.10
2Memphis, TN$145K$1,2800.88%~1.20
3Birmingham, AL$160K$1,3600.85%~1.25
4Pittsburgh, PA$210K$1,6800.80%~1.05
5St. Louis, MO$155K$1,3200.85%~1.15

The full Top 10, the neighborhood-level validation, the watchlist, and the markets that lost their status this year (Tampa, Austin, Phoenix, and more) are inside the guide.

Membership

$129/month
  • The full 2026 DSCR Investor Guide book (PDF + ePub)
  • The complete 9-module e-learning course with quizzes
  • Quarterly market intelligence: refreshed rankings + neighborhood validation
  • The five calculators, free forever, member or not

Educational market analysis. Not a loan offer, rate quote, or investment advice. Illustrative numbers throughout.

Request early access

Membership opens soon. Leave your details and you'll be first in line, plus we'll send the Top-5 markets briefing above as a PDF.

DSCR Investor Guide is independent market analysis and investor education. It is not a mortgage lender or broker, and nothing on this site is a loan offer, rate quote, commitment to lend, or personalized investment advice. All rates and terms shown are illustrative. Verify current figures before transacting; consult licensed professionals for lending, legal, and tax decisions.