One deal.
Priced, structured,
and stress-tested.
Five tools price, qualify and stress-test your DSCR rental deal, with no income docs, so you take a structured scenario to the desk.
See the program lineupGreenstreet DSCR programs: 1-4 unit, portfolio, non-US, STR and sub-1.0
Five steps from first look to funded file.
DSCR loans qualify on rental income, not the borrower's pay stubs. These tools handle every step of that process.
- 01
Price the deal in under a minute
Enter the ZIP, rent, rate and costs. Get DSCR on both tracks: what the lender uses to qualify you, and what you'll actually pocket after vacancy, management fees and CapEx. No login, no guesswork.
See if my deal qualifies - 02
Know the program requirements before your first call
Every Greenstreet DSCR program on one sheet: FICO floors, LTV caps, DSCR minimums, reserves and entity rules. Know what your file needs before you make an offer.
Find the best program for my file - 03
Check the state rule before it kills the deal
Prepayment-penalty fees and usury caps for 47 states and DC — each traced to a statutory citation. Know if a deal is clean in NJ or needs restructuring before you make an offer.
Look up state rules for my deal - 04
Stress-test the rate and the rent
A 120-cell rate × rent shock grid shows you exactly how far the deal can bend before DSCR breaks below 1.00. Run it in seconds — then keep it as a defensible page in your deal package.
Run the stress matrix - 05
Hand the lender everything they need to say yes
The investment-committee memo, the state compliance check, and the stress matrix — all generated in one pass, all citable. Submit a clean package and close faster, because the lender isn't waiting on missing documents.
Build the deal package
Match the borrower before you quote the deal.
Pick a lane. Every row below re-reads for it: terms, decision, kill conditions, documents.
| Borrower laneselect one to read it out below | |||||
|---|---|---|---|---|---|
| Programthe lane this file is placed into | Greenstreet Aspen | Maple / Aspen / Willow / Magnolia | Program-specific STR path | Program-specific 1-4 / STR path | Portfolio / blanket review |
| Program DSCRexample coverage the lane is positioned around, not a market average | |||||
| Max leverageceiling before the file reprices | 80% max | 70–75% max | 75% max | 75% max | 75% max |
| Credit floorthe borrower-side gate | 640+ | alt credit | 660+ | 660+ | 680+ preferred |
| Reservesmonths of PITIA the file shows after close | 3–6 mo PITIA | 6–12 mo PITIA | 6–9 mo PITIA | 6 mo PITIA | blended review |
| Complexityhow much of the file is story | Standard | High | Volatile | Conditional | Structured |
| Pricing readwhere the lane sits against base | base rate card, no overlay | above base for ID and funds-sourcing risk | gross revenue haircut before qualifying income | prices as DSCR once rental intent is documented | one blended spread across the pledged doors |
A DSCR of 1.00x is a floor, not a cushion.
Buy-and-hold
1–10 stabilized rentals with lease or market rent support.
Use this lane when
- The property is leased or the 1007 rent schedule supports the payment.
- Entity vesting is ready before submission.
- You need a quote that does not wait on tax returns or W-2 income.
What stops the file at the lender
Use the standard lane when the rent schedule and PITIA already clear the floor without a story.
- An 81% LTV file prices like a different loan.
Missing or stale LLC docs can add days to underwriting.
fix before submitWhat this lane adds to the file
What every file has to prove
Executed contract, mortgage statement, 1007 or 1025 rent schedule, leases, and HOA dues.
Photo ID, credit authorization, entity documents, signing authority, and ownership trail.
Down payment source, reserves after close, gift or transfer trail, and foreign wire support when needed.
Insurance binder, permit status, local rental restrictions, state prepayment-penalty rules, and portfolio release terms.
Reviewed · Page refreshed Aug 2, 2026 · program lineup reviewed← Who we serve
Ready to apply?
Tell us about the loan you want. We don’t pull your credit when you submit, and nothing here is an approval or a commitment to lend.
Ready to place your next file? Run a real file through the Greenstreet engine — from pricing to the package you hand the lender — then send it for review with the broker role already set.
Review my dealPrice a deal in under a minute. No login, no income docs.
Check my DSCR