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Episode 12 / 30

The DSCR Reality Check: Only 10.8% of Listings Qualify for Best-Rate Financing

DSCR loans let you qualify on rental income alone — no W-2 needed. But using the correct lender formula (Rent ÷ PITIA), only 69 out of 640 listings in Chicago's north suburbs hit the 1.25 threshold. Most suburbs average under 1.0. And even among those 69, only 14 also have positive ROI. Here's how to navigate DSCR financing without getting burned.

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