The rent qualifies this loan. Your paycheck stays out of it.
The people we build this for.
Brokers, buy-and-hold investors, short-term-rental hosts and non-US buyers. The firms below run their files through the same engine.
“I ran the duplex at 7.25 and it cleared 1.39x, so I stopped reading. Track 2 put the same file at 0.96x once the new insurance quote went in. We restructured before the appraisal, not after.”
Price the deal in minutes
Enter the ZIP, rent, and rate. Get two DSCR reads — one the lender uses, one that models real-world cash flow — plus break-even rate and cash-on-cash return, in under 60 seconds.
Compare the assumptions that shape a scenario
Run your file against Greenstreet's DSCR programs — filtered by credit score, LTV and property type. The lender confirms eligibility, pricing and funding on the file.
Five questions to organize a scenario
Answer five questions about the property and the borrower. You get a preliminary read on where the scenario lands; the lender confirms programs and pricing on the file.
State rules, encoded and cited
Prepayment-penalty rules encoded for 47 states and DC, each with its statutory reference — reviewed annually, last confirmed January 2026. Includes MN, OH, PA and NJ — where occupancy, loan size or entity type changes what you can close.
- Prepay allowed27
- Conditional18
- Effectively prohibited3
- Not yet encoded3
Prepare a clearer scenario for review
One workflow prices it, structures it, and stress-tests it — no re-keying between steps and no surprises in the numbers. Figures shown are preliminary estimates, not a quote or a rate lock.
How much can you borrow on an investment property?
No credit pull. No income docs. We qualify the property, not you.
Rates are an illustrative band from a June 2026 rate sheet, not current pricing. Taxes & insurance are estimated and reassessed at the purchase price. For business-purpose, non-owner-occupied investment property. DSCR floor ~1.00x; LTV cap varies by file. Not a loan commitment, approval, or offer of credit.
Prepayment-penalty rules, mapped state by state
Where a prepay penalty holds, where a dollar threshold flips it, and where it's effectively banned — encoded for 47 states and DC, with anything not yet researched flagged rather than guessed. Hover any state.
Which rental model fits the deal?
Property type changes the income story, operating workload, and financing path. Compare the upside and the friction before you underwrite the headline rent.
Explore the complete investor guide
Single Family Rental (SFR)
Single Family Residential is the bedrock of DSCR lending. Qualification is 100% property-based using appraised market rent (FNMA Form 1007) or active lease agreement.
- Max leverage
- Up to 85% LTV
- Coverage floor
- 0.75x Min DSCRNo-ratio option on select programs
2–4 Unit Residential Multi-Family
Duplexes, triplexes and fourplexes put two to four rent streams against one mortgage payment, which is what tends to lift coverage per dollar of purchase price. Every unit's rent counts toward the same DSCR — vacant ones at the appraiser's market rent.
- Max leverage
- Up to 85% LTV
- Coverage floor
- 0.75x Min DSCRNo-ratio option on select programs
5+ Unit Commercial Multi-Family
Commercial multi-family DSCR loans bridge residential non-QM (outside conventional Fannie Mae/Freddie Mac guidelines) with institutional commercial underwriting. Valuations are driven by NOI and capitalization rates rather than residential comps.
- Max leverage
- Up to 80% LTV
- Coverage floor
- 1.00x Min DSCR1.10x on some multi-family programs
Condominiums & Urban High-Rises
Condos often fail conventional Fannie/Freddie guidelines due to single-entity owner concentration, deferred maintenance, or active HOA litigation. DSCR non-QM fills this exact gap.
- Max leverage
- Up to 85% LTV
- Coverage floor
- 0.75x Min DSCRNo-ratio option on select programs
Short-Term Rentals & Resort Cabins
A nightly rental can gross more than the same house on a twelve-month lease — how much more depends entirely on the market, the season, and how the property is run. What matters for the loan is that short-term-rental programs can qualify the file on projected or documented nightly revenue instead of the lower long-term rent figure.
- Max leverage
- Up to 85% LTV
- Coverage floor
- 0.75x Min DSCRNo-ratio option on select programs
Commercial & Mixed-Use Storefronts
Mixed-use storefront properties offer dual revenue streams: stable long-term commercial retail tenants on NNN leases combined with residential apartment rents above.
- Max leverage
- Up to 80% LTV
- Coverage floor
- 1.00x Min DSCR1.10x on some multi-family programs
Primary Rental with an Accessory Dwelling Unit
A legal ADU can add a second rent stream and improve land efficiency, but permitting, utility configuration, appraisal treatment, and lender eligibility must all line up.
- Max leverage
- Program-specific
- Coverage floor
- Case-by-case
Student Housing & Co-Living Rentals
Leasing by the room can increase gross income, but the operating model behaves more like hospitality: frequent turns, shared-space wear, local occupancy rules, and active management matter.
- Max leverage
- Program-specific
- Coverage floor
- Lease-dependent
Manufactured & Modular Rental Homes
Manufactured and modular homes can offer a lower acquisition basis, but financing and resale depend on whether the home is real property, permanently affixed, insurable, and supported by comparable sales.
- Max leverage
- Program-specific
- Coverage floor
- Case-by-case
Build-to-Rent Townhome Communities
Build-to-rent combines residential tenant demand with community-scale operations. Standardized units can be efficient, but development and lease-up risks arrive before stabilized DSCR financing is available.
- Max leverage
- Stage-dependent
- Coverage floor
- Stabilized file
Watch the Greenstreet rebuild
The deals, and the number that decided each one
Maeve Brennan
Acquisitions, Marlowe Asset Group — 22 doors, Ohio and Indiana
Ramón Aguilar
Buy-and-hold investor, Hadley Capital Partners — 9 doors across two states
Daniel Cho
Credit review, Sterling Bridge Partners
Firms that run their files through Greenstreet.
