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DSCR Ratio Calculator

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Back to DSCR Loans

DSCR Ratio Calculator

Enter your rental income and loan details to see if your property qualifies.

Property & loan details

Actual lease amount, or market rent estimate
Taxes, Insurance & HOA
Leave at $0 if not applicable
Your DSCR Ratio
1.15
Qualifies
Rental income covers the mortgage payment with room to spare.
$2,183
Principal & Interest
$2,433
Total PITIA
Monthly Rental Income $2,800
Monthly Principal & Interest $2,183
Monthly Property Taxes $350
Monthly Insurance $200
Monthly HOA $0
Total Monthly PITIA $2,433

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This calculator estimates your DSCR (Debt Service Coverage Ratio) by dividing your monthly rental income by your total estimated monthly mortgage payment (principal, interest, taxes, insurance, and HOA if applicable). Most lenders require a minimum DSCR of 1.0 to 1.1. We can work with ratios as low as 0.75 when paired with a larger down payment. This is an estimate only and actual qualification depends on the full loan file, credit profile, and property details. Consult a loan officer for an exact quote.

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DSCR Loans

Qualify on rental income alone, in all 50 states. No tax returns or personal income required.

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Today’s
Rates

Current pricing for DSCR and investor loans. See where your deal lands before you make an offer.

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Foreign
National

International investors buying Florida real estate. DSCR qualification, no US credit needed.

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Cash-Out Refi

Buy, rehab, rent, refinance, repeat. Pull your capital back out and move on to the next deal.

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Ratio looks good?
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The calculator uses estimates. Your actual DSCR and rate depend on your credit score and the property. Takes 3 minutes to check, no hard pull.

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