Free Download
DSCR Property Qualification Checklist
Screen any investment property against real DSCR lender criteria in 15 minutes — before you waste time on a full application.
Financial profile requirements
Credit score thresholds, reserve requirements, and entity/foreign national eligibility.
Property evaluation criteria
Eligible property types, condition standards, appraisal expectations, and insurance needs.
Deal structure math
DSCR ratio calculation, LTV ranges, rate type selection, and a built-in scoring framework.
Deal killers to watch for
The 6 red flags that will stop a DSCR deal before it starts — know them upfront.
Built from our experience financing 1,000+ investor properties across Canada and the US.
9-page PDF · Instant download
Get Your Free Copy
Who is this for?
This checklist is designed for Canadian investors buying rental properties in the US using DSCR (Debt Service Coverage Ratio) loans. DSCR financing qualifies based on the property's rental income rather than your personal income — which means no Canadian tax returns, no employment verification, and no US credit history required. Whether you're buying your first US rental or adding to an existing portfolio, this checklist helps you filter deals before applying.
What will I learn?
You'll understand exactly what DSCR lenders look at — minimum credit scores, reserve requirements, property condition standards, eligible property types, how to calculate DSCR ratio, and the common deal killers that trip up first-time investors. The scoring framework at the end lets you rate any property on a simple scale so you know whether to pursue it or move on.
Ready to run the numbers on a real property?
After you've screened a property with this checklist, use our free DSCR Loan Calculator to model the financing, or book a free strategy call and we'll walk through the deal together.