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Investor Quiz

Can You Qualify for a DSCR Loan? Investor Quiz

No Tax Returns Required

Bottom line: 20 questions on how DSCR investor financing really works — ratios, docs, LLCs, and exits. Get your investor score, then see if your deal qualifies.

Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026

1. What does DSCR stand for?

2. A property rents for $4,000/month and PITIA is $3,000/month. What is the DSCR?

3. A DSCR of 1.00 means…

4. DSCR loans primarily qualify you on…

5. Do DSCR loans typically require personal tax returns?

6. Can a DSCR loan close in an LLC?

7. PITIA stands for…

8. A DSCR below 1.00 means…

9. Which property is NOT eligible for a DSCR loan?

10. The appraiser's rent schedule (Form 1007/1025) is used to…

11. How do most DSCR programs treat short-term rental (Airbnb) income?

12. The DSCR ratio most programs start looking for is around…

13. Is your personal debt-to-income ratio calculated on a DSCR loan?

14. Can you do a cash-out refinance with a DSCR loan?

15. If a property's DSCR is 0.85, what are the realistic options?

16. Strong cash reserves help a DSCR file because…

17. Which document is typically NOT part of a DSCR loan file?

18. A 6-unit apartment building would typically use…

19. Prepayment penalties on DSCR loans…

20. The smartest next step after acing this quiz…

Want to see if you qualify for a DSCR loan?

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DSCR quiz FAQ

What does DSCR stand for?

Debt Service Coverage Ratio — gross rental income divided by the full mortgage payment (PITIA).

What is a good DSCR ratio?

Many programs look for a ratio at or above 1.00, meaning the rent covers the mortgage payment — though requirements vary by investor and some programs work with lower ratios.

Do I need tax returns to qualify for a DSCR loan?

Typically no. DSCR loans qualify on the property's rental income, so personal tax returns, W-2s, and pay stubs generally aren't part of the file.

Can I take this quiz more than once?

Of course — retake it anytime. And when you have a live deal, submit the scenario for a real structure review.

Keep learning: DSCR Investor Loans · What is a DSCR loan? · DSCR ratio calculator · Which Non-QM loan fits you?