Buying or refinancing a home or a rental? Enter an address and we'll pull the taxes, value and nearby sales, then show your monthly payment. Investors also see if the rent qualifies.
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Real local dataTaxes, value & nearby sales
Every loan typeConventional, FHA, VA & Non-QM
We'll look up taxes, HOA, value and nearby sales (and rent for investors).
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From county records and nearby listings. Estimates, not an appraisal.
The Debt Service Coverage Ratio (DSCR) measures whether a rental property generates enough income to cover its debt obligations. Lenders use it to qualify investment property loans without requiring W-2s or tax returns.
To calculate your DSCR: divide the property's gross monthly rental income by its total monthly debt obligations (mortgage P&I + taxes + insurance + HOA). A DSCR of 1.0 means the property exactly covers its debt. Above 1.0 means positive cash flow. United Trust Mutual approves loans down to a 0.75 DSCR.
Excellent cash flow. The property generates significantly more income than its debt obligations. Qualifies with virtually any DSCR lender at the best available rates.
Good cash flow. The property covers all its obligations and produces positive returns. Qualifies with most DSCR lenders including United Trust Mutual.
Below break-even but still financeable. United Trust Mutual accepts DSCRs as low as 0.75 — something most conventional lenders won't touch.
For Airbnb and VRBO properties, use AirDNA's Rentalizer to get a data-driven income estimate before calculating your DSCR. STR income is harder to verify and varies by market.