Portfolio Loan Qualifier
Run a DSCR and LTV check across your entire portfolio before you approach a lender. See which properties pass, which need attention, and whether your aggregate numbers meet standard thresholds.
Most small landlords get surprised in a lender conversation because they didn't know how their numbers looked going in. DSCR lenders and portfolio banks don't care about your W-2 — they care about whether the rent covers the debt, and whether your equity cushion is thick enough. This qualifier helps you run those checks yourself first, so you can fix problems before applying instead of after getting declined.
What it checks
How it works
- Set your target lender's minimum DSCR and maximum LTV in the Settings row at the top
- Enter one row per property — address, current value, loan balance, monthly rent, expenses, and debt service
- DSCR, LTV, and pass/fail status calculate automatically for each property
- The Portfolio Totals row aggregates everything — you see your combined DSCR and LTV at a glance
- The Summary section at the bottom shows how many properties pass each threshold and your total monthly cash flow
What's included
- Portfolio Loan Qualifier Excel workbook (.xlsx)
- 10-property portfolio table with auto-calculated DSCR, LTV, and pass/fail flags
- Configurable lender thresholds — set once, all flags update instantly
- Portfolio totals row with aggregate DSCR and LTV
- Summary section with property counts and total cash flow
- How It Works tab explaining DSCR loans, portfolio loans, and typical lender requirements
- Lifetime minor updates included
- Immediate download after purchase
FAQ
What's the difference between a DSCR loan and a portfolio loan?
A DSCR loan qualifies you based on the property's rental income — no personal income verification. A portfolio loan is held by the bank rather than sold to investors, giving the lender flexibility to underwrite your whole situation rather than each property in isolation. Both focus heavily on DSCR and LTV.
What DSCR do most lenders require?
Most DSCR lenders require 1.20x minimum — rent must be 120% of the mortgage payment. Some portfolio banks accept 1.10x for strong borrowers. The qualifier defaults to 1.20x but you can adjust it in the Settings row to match whatever lender you're targeting.
Will this tell me for certain if I'll get approved?
No — it's a rough pre-qualification check, not a guarantee. Lenders often use their own expense assumptions (typically 25–40% of gross rent) rather than your actual numbers when calculating DSCR, and they'll also look at credit score, reserves, and property type. Use this to spot problems early and walk in prepared, not as a final answer.
Is this a subscription?
No. One-time purchase, lifetime minor updates included.