West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, and Jupiter investors: know if your rental property qualifies for a DSCR loan before you approach a lender. Underlytix scores fundability and routes qualifying deals to the lender who'll fund them — in about 60 seconds.
Between West Palm Beach, Boca Raton, and Delray Beach, a well-priced rental property can get multiple offers in a weekend. Waiting on a callback from a loan officer to find out if the rent covers the payment costs you the deal to a buyer who already knew their number.
Rent estimates get eyeballed instead of pulled against a real rent schedule, so the DSCR a deal is priced around may not hold up to a lender's own appraisal.
DSCR lenders often require 6-12 months of PITIA in reserves and credit minimums that differ from conventional financing — easy to miss until the file is already submitted.
Offer deadlines land Friday night and Saturday morning. Loan officers answer Monday. By then the deal is gone.
Enter the purchase price, rental income, and loan amount. Underlytix runs the deal against actual DSCR lending criteria — not a generic mortgage calculator.
Checked against the ranges real DSCR lenders in the Underlytix network actually fund at, using full PITIA against projected or in-place rent.
Reserve and credit-minimum modeling, so the cash and credit profile a specific lender needs is known upfront, not discovered mid-application.
Fundable deals are routed to the lender in the network whose criteria the deal meets — points, rate, and term included.
The lenders in the Underlytix network actively fund DSCR rental loans across Palm Beach County, including:
Purchase price, loan amount, and rental income (in-place or market rent). Under 3 minutes, no documents required.
A 0-100 score against real DSCR underwriting criteria, plus specific structuring flags if the deal needs adjustment.
Qualifying deals are routed to the lender in the Underlytix network whose criteria the deal meets — no cold-calling a list of loan officers.
| Score it first | Wait on a callback | |
|---|---|---|
| Time to a go/no-go | ✓ ~60 seconds | Days, sometimes into next week |
| Weekend offer deadlines | ✓ Answered same day | ✗ Loan officers off until Monday |
| DSCR clarity | ✓ Modeled upfront against full PITIA | Often surfaces mid-application |
| Lender fit | ✓ Matched to criteria before you apply | ✗ Trial and error across lenders |
Underlytix is pre-application intelligence, not a lending commitment — no approvals are issued here. It tells you which Palm Beach rental deals are worth pursuing so you're not the investor still waiting on an answer when the next offer comes in.
Free, no credit card, results in about 60 seconds. If it doesn't qualify yet, you'll know exactly what to change.