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 ratio

Unlike 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.com

If you’re serious about scaling your rental portfolio with smart financing, this episode is a must-watch.