Does the rent cover the payment?
Rental loans often qualify on the property's rent instead of your personal income. The number lenders look at is the debt service coverage ratio (DSCR): monthly rent divided by the full monthly payment. Check yours in a minute, then talk it through with a licensed loan officer.
Utah investment properties only for now. The calculator is private: nothing you type here is sent anywhere.
DSCR calculator
Your result
1.00
20-minute call with Jake. Booking a call is not an application and not a commitment to lend.
How it works
Check the numbers
Rent, price, taxes and insurance. The calculator shows the coverage ratio.
Match the program
Jake narrows down which programs fit the property, the timeline and your experience, and what the lender will want to see.
Close and fund
Apply securely and keep one point of contact through funding.
One person, start to finish.
Jake Taylor is a licensed loan officer originating through Ease Mortgage. There's no call center: your request goes to a licensed loan officer, and the same loan officer sees your loan through to closing.
Common questions
What is a good DSCR?
Above 1.00 means the rent covers the full payment (principal, interest, taxes, insurance and any HOA). Each program sets its own minimum, and a higher ratio generally gives you more options. Jake will tell you what the lender wants to see.
Do I need experience?
Not always. Some programs are open to first-time investors; others want a track record.
Can a rental qualify on its rent instead of my income?
Some programs do that. Whether one fits depends on the property, the rent and the program.
Which states?
Utah properties only for now.
Bring the deal. Get a straight answer.
A 20-minute call. No application, no obligation.