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DSCR Non-QM Loan Calculator

Qualify on rental income — no personal income verification. Compare two loan options side-by-side with full fee control, rate buydown, and cash-to-borrower analysis.

Property & Rental Income
LTR: 5–10% · STR: 15–25%
Live DSCR Preview — Loan A
DSCR
Qualification Tiers
≥ 1.25 — Best pricing
1.00–1.24 — Standard
0.75–0.99 — Marginal + reserves
< 0.75 — Unlikely to qualify
Enter loan details below to see live DSCR.
Loan A
Option A
Rate Buydown via Points
1 point = 1% of loan amount
Each point ≈ 0.25% rate reduction
Buydown
7.875%
Effective rate
$0
Point cost
$0/mo
Monthly savings
Origination & Closing Costs
Loan B
Option B
Rate Buydown via Points
1 point = 1% of loan amount
Each point ≈ 0.25% rate reduction
Buydown
8.375%
Effective rate
$0
Point cost
$0/mo
Monthly savings
Origination & Closing Costs
Borrower Info & Notes (PDF)

FAST 50™ Commercial Loan Calculator

Dovacor FAST 50™ — 50% cash-out, 30-year amortization, no income verification, 560+ FICO, LLC/Trust eligible, up to $5M. Compare two loan options with full fee control.

Dovacor FAST 50™
No income verification · LLC/Trust vesting · Up to $5M
50%
Max LTV
560+
Min FICO
30yr
Amortization
$5M
Max Loan
Property, Income & Borrower
Taxes, ins, mgmt, maint — excl. debt service
Loan A
Option A
Months of PITIA in bank reserves
Rate Buydown via Points
Buydown
9.50%
Effective rate
$0
Point cost
$0/mo
Monthly savings
Broker, Origination & Closing Costs
Loan B
Option B
Rate Buydown via Points
Buydown
9.875%
Effective rate
$0
Point cost
$0/mo
Monthly savings
Broker, Origination & Closing Costs
Entity / Borrower Info & Notes (PDF)