EP.14 - DSCR Loan Explained: How to Use a DSCR Calculator to Analyze Cash Flow

Thinking about buying your next rental property? Before you submit an offer, you need to know one thing — will it actually cash flow?In this episode of the SEI Mortgage Podcast, Ryan Marks walks you step-by-step through how to use the free DSCR calculator on SEIMortgage.com to analyze your investment property before ever speaking to a lender.If you’re a real estate investor or building a rental portfolio using DSCR loans, this episode shows you how to calculate:• Debt Service Coverage Ratio (DSCR) • Monthly mortgage payment vs rental income • How lenders evaluate DSCR mortgage deals • What happens if the property doesn’t hit a 1.0 ratioUnlike traditional mortgages, DSCR loans do not use personal income, tax returns, or debt-to-income ratios. Approval is based primarily on the property’s rental income. That makes this one of the most powerful non-QM mortgage strategies for investors in 2026.Before you buy your next investment property, run the numbers yourself.Use the FREE DSCR Calculator (no email required) here: 👉 https://seimortgage.com/dscr-calculator/Want more strategies on real estate investing, non-QM loans, bank statement loans, and creative mortgage solutions? Visit: https://seimortgage.comIf you’re serious about scaling your rental portfolio with smart financing, this episode is a must-watch.