Deal Analyzer
Run the numbers on a deal before you're under contract. DSCR, cash flow, cash-on-cash return, rate sensitivity, and path to qualify — all in one place.
DSCR Ratio
1.06
1.0–1.24 — Preferred Starting Tier
Monthly Cash Flow
$145
P&I: $1,835Taxes: $300Insurance: $120PITIA: $2,255
You're at or above 1.0 — the preferred starting rate tier. Most standard programs available.
Rate Sensitivity
7.00%
1.11
7.50% ← current
1.06
8.00%
1.02
Reserve Estimate
$6,766 – $13,533
3–6 months PITIA typical — varies by purchase, rate/term, or cash-out
Estimates only. Actual rates, payments, and reserve requirements vary by lender, credit score, and property type.
Where Do You Want to Go?
Idaho Markets We Finance
Idaho's rental market has seen some of the strongest growth in the country over the past five years. I know these markets — and the DSCR lenders who understand them.
Treasure Valley
Boise · Nampa · Meridian · Caldwell · Eagle · Kuna
Idaho's primary growth corridor. Strong long-term rental demand driven by continued in-migration from CA, WA, and OR.
North Idaho
Coeur d'Alene · Post Falls · Sandpoint · Hayden
Popular short-term and long-term rental market. Outdoor recreation draws STR investors; lakeview properties command premium rents.
Eastern & South Idaho
Idaho Falls · Pocatello · Twin Falls · Sun Valley
Stable long-term rental markets with strong university and resort-driven demand. Lower entry prices with solid DSCR ratios.
Licensed in Idaho and other states. While Idaho is my home market, I originate DSCR loans nationwide. Whether you're buying in Boise or branching into another state, I can help structure the right loan.
DSCR Loan Tiers
DSCR lenders use ratio tiers to price and qualify loans. Knowing your tier before applying helps you choose the right lender and structure.
1.25+
Gold Standard
Best rates, widest lender choice, maximum flexibility. Strongest pricing tier available.
1.0–1.24
Qualifying
Most standard DSCR programs accept this range. Slightly tighter pricing but fully fundable.
0.75–0.99
Low Ratio
Fewer lenders, higher rates — but programs exist. Good for properties below break-even temporarily.
No Ratio
Down Payment & Credit-Based
No DSCR calculated — qualification is based on down payment and credit. Typically 25% down with a 700 minimum score.
How I Work
Most mortgage originators optimize for the transaction. I optimize for the portfolio. Here's what that looks like in practice:
Qualify on the property
Your W2 and tax returns are not required. DSCR is based on what the property earns, not what you earn.
Structure before rate
A 0.25% better rate that kills your next deal isn't a win. We look at prepay terms, lender overlays, and your next move.
Lender selection is strategy
Not all DSCR lenders are interchangeable. Who you use for this deal affects whether the next one qualifies.
Think 2–3 deals ahead
Every loan decision should leave the door open for what comes next — not close it.
Investor Education
Start with these four — or visit the full education hub for all 12 guides covering STR financing, co-living, rate strategy, and more.
DSCR vs. Conventional Loans
When each makes sense and where the conventional wall is.
How DSCR Loans Are Underwritten
What lenders actually look at — ratio, credit, LTV, reserves, rent docs.
Common DSCR Loan Mistakes
Eight mistakes that catch investors off guard — and how to avoid them.
DSCR Loan Glossary
Every term — PITIA, LTV, overlay, seasoning, step-down — defined simply.