Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Unlock Real Estate Wealth: Master DSCR Loans Now! #shorts

20 May 2026 · 1 min

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Tommy Dobczyk explains DSCR, the ratio of rental income to mortgage payment. A $1,000 monthly payment needs roughly $1,200 in rent for a healthy 1.2 DSCR. A Phoenix property Blake analyzed hit 1.3 to 1.6, meaning it generates 20-60% more cash flow than needed to cover the debt.

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Are you familiar with the term debt service coverage ratio? No. If you know about a DSCR loan, a DSCR loan takes our potential cash flow compared to our mortgage and comes up with a ratio, which means that if I pay $1,000 a month in a mortgage, I need to make $1,200 a month in rent or cash flow. And so on a property like what we're looking at right here in Phoenix, we can rent it out. Blake ran the numbers on it. We can rent it out for I think it was 1.3 to 1.6 DSCR. So he can cash flow it and cover that cash flow or cover that debt service number by, by 20 to 40, 20 to 60%.