DSCR loans are the dominant financing tool for rental property investors, but tracking debt service coverage ratios across a portfolio requires purpose built software. We tested the tools that handle DSCR tracking best.
DSCR (Debt Service Coverage Ratio) loans have become the go to financing for investors who want to qualify based on property cash flow rather than personal income. But once you have multiple DSCR loans, tracking debt service, coverage ratios, and amortization schedules across your portfolio becomes critical.
Most property management software handles mortgage tracking as an afterthought: a balance field and maybe a payment amount. Real DSCR tracking requires P&I breakdowns, escrow tracking, amortization schedules, and portfolio level debt analysis.
We tested six platforms for their ability to track DSCR loans and provide the kind of debt analytics that matter for refinance decisions, new acquisitions, and portfolio health monitoring.
| Feature | DoorVault | Stessa | REI Hub |
|---|---|---|---|
| DSCR Calculation | Auto calculated from NOI | Manual calculation | Not available |
| P&I Breakdown | Principal and interest split | Total payment only | Total payment only |
| Amortization Schedule | Full schedule with payoff date | Not available | Not available |
| Escrow Tracking | Monthly escrow and balance | Not available | Not available |
| LTV Monitoring | Real time LTV per property | Basic equity estimate | Not available |
| Mortgage Doc Extraction | AI extracts loan terms from docs | Manual entry | Manual entry |
| Portfolio Debt Summary | Total debt, avg rate, avg DSCR | Basic loan list | Not available |
DoorVault has the deepest mortgage intelligence of any investor platform, including full amortization schedules, P&I breakdowns, escrow tracking, LTV monitoring, and DSCR calculations. It also extracts loan terms from uploaded mortgage documents via AI.
Stessa tracks basic loan information including balance, rate, and monthly payment. It provides a foundation for loan monitoring but lacks the depth needed for serious DSCR analysis.
Baselane tracks mortgage payments through its banking platform, giving you transaction level visibility into debt service. It does not provide DSCR calculations or amortization but shows clear payment history.
QuickBooks can track loan payments with proper setup, splitting P&I for accounting purposes. It requires manual configuration but provides accurate accounting treatment of mortgage payments.
Landlord Studio tracks basic mortgage payment information and lets you log payments as expenses. It is adequate for simple payment tracking but does not offer mortgage analytics.
REI Hub tracks mortgage interest for tax deduction purposes. It handles the accounting side of mortgage payments but does not provide DSCR ratios, amortization schedules, or portfolio level debt analysis.
We entered identical 15 property loan portfolios with varying DSCR loan terms into each platform and evaluated the accuracy of DSCR calculations, amortization schedules, and portfolio level debt analytics. We also tested AI extraction of loan terms from mortgage documents.
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