At Your Mortgage Queen LLC, we help investors find the right financing—whether you’re flipping for quick profit or building long-term wealth.
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) Loan focuses on the property’s rental income rather than your personal income. It’s a smart option for investors because:
- No personal income verification
- Faster approvals
- Great for both short- and long-term rentals
Flipping vs. Buy & Hold Investing
- Flipping: Short-term strategy; buy, renovate, and sell quickly for profit. Best for hands-on investors who want fast returns.
- Buy & Hold: Long-term strategy; rent properties for steady cash flow and appreciation. Best for building wealth and passive income.
Whether your goal is quick profits or long-term growth, we have the right loan solution to fit your investment strategy.
Check out what your investor ratio is by using our DSCR Investor Mortgage Calculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
The DSCR for this loan is
Monthly Payments
Principal & Interest (P&I)
$
Taxes & HOA
$
Homeowners Insurance
$
Debt Service Coverage Ratio
(Rental Income / Mortgage Payment)
Rental Income
$3,000
Monthly Mortgage
$3,000
DSCR
0.90
Estimated Taxes & Insurance
Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
Estimated Payment
$ /mo
Loan amount
$
Down payment
$
Interest rate
Loan term
Property tax
Homeowner's insurance
$
HOA dues
$
Payment Breakdown
Amortization
Principal vs. Interest
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.
Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
- Principal payments: $$240,000 (the amount borrowed)
- Interest payments: $$297,554 (the cost of borrowing)
Get Started By Using One Of Our Free Tools!
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
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