The REAL | The Real Estate Authority LendingDSCR loans for 1-4 unit rentals and short-term rentals. Business-purpose loans only. NMLS 1835824
Call (504) 564-6931Email usthereal.mortgage

Qualify on the property's rent, not your tax returns.

Enter the property numbers. The calculator works out the payment and the DSCR ratio, then checks each of the four program colors: Yellow, Orange, Pink and Blue.

Example numbers are showing. Replace them with yours.

Your scenario

The down payment list only shows amounts that qualify. If you type a number that will not qualify, we put your last good number back and tell you why.

Office preview (test only, borrowers never see this box)

On the live page these two numbers arrive from our value check. The value fills in the price and nothing higher is accepted. The taxes fill in the property taxes box.

Your numbers

-Loan amount
-Loan-to-value (LTV)
-Payment with taxes, insurance, HOA (30-year)
-DSCR = rent ÷ payment (30-year)

DSCR formula: monthly rent divided by the full monthly payment (principal, interest, taxes, insurance and HOA).

Estimates only. This is not a loan offer, a rate quote or a commitment to lend. DSCR loans are business-purpose loans for investment property. All loans are subject to credit approval, underwriting and property eligibility. Program limits checked against the lender matrices on 11/14/2026; programs and terms can change without notice.

The Real Estate Authority Lending LLC | NMLS 1835824 (NMLS Consumer Access) | 1615 Poydras Street, New Orleans, LA | (504) 564-6931 | [email protected] | thereal.mortgage

Equal Housing Opportunity. Licensed in Louisiana. Programs and terms can change without notice.