DSCR
A property-focused financing option available for qualifying real estate investment scenarios.
Investor financing
Build your
investor firepower.
Montgomery County investor activity is concentrated along the east-side corridor and in the county's newer rental submarkets. We help structure financing around the property and the objective.
Confirmed program areas
Where investors start.
Additional programs publish here only after WMD confirms availability.
Investor Purchase
Financing strategies built around qualifying investment property purchases.
Rental Property Financing
Purchase and refinance options for qualifying rental properties.
Run the ratio
Let the property enter the equation.
DSCR Calculator
Does the property hit the number?
Measure the property's qualifying rental income against its estimated monthly housing obligation.
Qualifying monthly rent
Total monthly qualifying income: $2,600
Build the payment
Principal + interest: $1,910
Monthly property expenses
Estimated PITIA / housing obligation: $2,595
Target DSCR (scenario planning)
Target ratios are for scenario planning only and do not guarantee qualification.
Estimate
Your estimated DSCR
1.00x
Program targets vary
Qualifying monthly income$2,600
Estimated monthly obligation (PITIA)$2,595
Monthly cash flow before other property expenses+$5
Income coverage: $2,600 rent ÷ $2,595 monthly obligation = 1.00x
At a 1.25x target, $2,600 qualifying monthly rent supports approximately $2,080 maximum monthly housing obligation.
Want to know which investor programs fit this scenario?
Educational estimate only. DSCR calculation methods and qualifying requirements vary by lender and loan program. Rental income eligibility, PITIA calculations, vacancy factors, appraisal rent schedules, reserves, credit requirements, property eligibility and other underwriting requirements may affect the actual qualifying DSCR. This calculator does not constitute approval, qualification, an offer or a commitment to lend.
Want the real numbers?
Investor request
Put the property in our sights.
Purchase-side investor inquiries route to buyingpower@WMDhomeloans.com.