Built for mortgage brokers
Enter the file once and instantly compare 107 DSCR programs from 37 lenders. See which programs fit, which are close, and which don’t — with the exact lender guideline behind every answer.
No more opening ten PDFs, texting five AEs, or wondering who will take a 680 FICO cash-out with 3 months of seasoning and a multi-layer LLC.
14-day free trial· $29.99 a month· Cancel any time
Start your free trial See how it works No card charged today.
Example Lender A Series 1 DSCR Eligible
75% LTV against a 80% ceiling · 1.05 DSCR against a 1.00 floor · 740 FICO against 680.
Guidelines p.14 §4.2Example Lender B Investor 30-Year Eligible
Room on every limit. Interest-only available; no maximum financed properties.
Matrix p.2Example Lender C Rental DSCR Near match
Would fit with 5% less LTV — this program caps a cash-out at 70% where the file asks 75%.
Guidelines p.31 §7.1Example result. Lender names and figures are illustrative — real answers carry each lender’s own name, page and language.
DSCR Navigator doesn’t just give you a list of eligible programs. It ranks them by how much room the file has inside the guidelines, so the strongest fit rises to the top instead of whichever lender happens to come first alphabetically.
Know where the file fits comfortably — and where you’re right on the edge.
When a program doesn’t fit, DSCR Navigator tells you why. See the guideline that caused the issue, the lender’s own source language, and what would need to change to make the file work.
Now you know whether to restructure the deal, move to another program, or call the AE for an exception.
Don’t take the software’s word for it. Open the guideline behind any result and see the lender’s own language, source page, and applicable rule.
So when a borrower, processor, underwriter, or AE asks “Where does it say that?” you already have the answer.
Choose up to five programs and put them side by side in a clean borrower presentation branded to your company. Add your:
Each option can represent a different structure, property, price, or valuation — without rebuilding the comparison from scratch.
Need to know who allows an LLC with multiple layers? Who takes short-term rentals? Who allows rent-free borrowers? Who has no maximum financed-property limit?
Open the DSCR Matrix and compare a single guideline topic across every program at once.
Entity layers · Seasoning · Rent-free borrowers · STRs · Acreage · Cash-out · Appraisal transfers · Escrow waivers
Every answer includes its source.
DSCR Navigator filters the market around your business. Set your licensed states, mark your preferred lenders, and keep the programs you use most at the top of your workflow. Each lender can include its:
Less searching. Less tab switching. Less institutional knowledge living in somebody’s inbox.
70 of the 107 programs are read from a lender document dated within the last 90 days; the newest is September 2026. Every program carries its own source date, on the program's own page.
Every guideline answer includes Report an Error so brokers can flag something that looks wrong or outdated immediately. Corrections go directly into review, and lender Account Executives can provide clarification on their own programs.
The goal isn’t just to build a DSCR database. It’s to keep the industry’s most useful DSCR guideline library accurate.
$29.99 a month
Start with a 14-day free trial. Cancel any time.
Run the scenario once.
See the programs that fit.
Know exactly why.
