Mortgage & DSCR
YS Qualifier Pro™
The tool serious investors say YES to.
Enter the loan and the property's expenses and rent. We'll size the full payment stack — P&I, PITIA, and all-in — and calculate both the residential and commercial DSCR lenders use to qualify rental loans.
DSCR rental
No credit pull
Estimates only
Fill the input fields — every result updates automatically.
1 Loan
SizingUse LTV to auto-size the loan, or type a loan amount directly to override it.
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2 Carrying costs
CarryTaxes & insurance are entered annually; everything else monthly.
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3 Income
Coverage$
DSCR result · EstimateLive
DSCR — residential (PITIA)
1.16×
Rent ÷ PITIA. Most rental lenders look for 1.20×–1.25×+.
Qualifying range
Final loan amount
$300,000
from 75% LTV
Down payment
$100,000
Monthly P&I
$1,896
Monthly PITIA
$2,546
+ taxes, insurance, HOA
All-in monthly
$2,696
+ utilities, maint., mgmt.
DSCR — all-in
1.10×
commercial method
Residential DSCR (1–4 units) uses mortgage + taxes + insurance + HOA only — the quick qualification view.
All-in / commercial DSCR adds utilities, maintenance and management for a realistic cash-flow picture (common on 5+ units).