For those actively using DSCR loans, here's what I'm seeing across today's rental market — especially with insurance, taxes, and expenses creeping up 👀

1.10–1.15 DSCR

• Aggressive plays ⚡

• Can work… but there’s not much room for error

• One repair or rent dip and things get tight

1.20–1.25 DSCR

• The “sweet spot” for most long-term rentals ⭐

• Still financeable

• Enough cushion to handle rising costs without killing returns

1.30+ DSCR

• Conservative mode 🛡️

• Strong buffer

• Usually the easiest deals to hold long-term (and sleep well at night 😴)

📊 Lately, I’m hearing more investors say 1.20–1.25 DSCR feels like the new baseline for peace of mind, not just lender approval.

Question for the group:

• What DSCR do you personally target?

• Has your minimum changed over the last year?

• Different thresholds for STR vs LTR?

Curious to hear how everyone’s adjusting 👇