DSCR Loan Calculator
Estimate Your
DSCR Cashflow Instantly
DSCR Calculator for Real Estate Investors
A DSCR (Debt Service Coverage Ratio) loan is a financing option tailored for real estate investors. Instead of qualifying you based on personal income, lenders look at your rental property’s cash flow — helping you secure funding based on the deal itself. This calculator estimates your DSCR instantly, so you can determine if your property meets lender benchmarks and is ready for financing.
Is Your Deal DSCR-Ready?
Input your rental income, expenses, and loan terms to calculate your DSCR. Most lenders look for a ratio of 1.25 or higher, but requirements can vary. Whether you’re investing in long-term rentals or short-term vacation properties, this quick check helps you understand your loan eligibility before applying.
Have a Property in Mind?
Run a cash flow analysis and submit your deal for rental property financing — no commitment required.
What is DSCR and Why it Matters
DSCR stands for Debt Service Coverage Ratio — a key metric lenders use to evaluate whether a rental property generates enough income to cover its loan payments. In simple terms, it helps determine if a property can pay for itself. DSCR is especially important for real estate investors using non-traditional loans where qualification is based on cash flow, not personal income.
How DSCR is Calculated
DSCR = Net Operating Income (NOI) ÷ Total Annual Debt Payments
For example, if your property generates $75,000 in NOI per year and your loan payments total $60,000 annually, your DSCR would be: 1.25 (That means your property earns 25% more than it costs to finance.)
A DSCR of 1.25 or higher is commonly required by lenders, though some deals may qualify with lower ratios — especially with strong experience or reserves.
Explore our DSCR Loan Options
Our DSCR rental loans are designed to help investors finance both cash-flowing and break-even properties — even if they don’t qualify for traditional loans. We offer competitive rates, flexible terms, and fast approvals for long-term and short-term rental strategies.
Product Highlights:
- 30-year fixed, ARMs, and interest-only options
- Works for break-even and negative cash flow properties
- 90-day seasoning for cash-out refinances
- Complimentary 45-day rate lock
- Full point buy-downs available
Tailored Solutions with Proven Results
Recently Funded DSCR Loans
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$ 204,750
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$ 701,250
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$ 543,750
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Washington, DC
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$ 131,250
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Milwaukee, WI
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$ 186,400
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Lincoln, NE
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$ 290,325
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Idaho Falls, ID
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$ 324,576
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$ 142,500
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Lincoln, NE
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$ 568,750
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Denver, CO
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$ 143,000
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DSCR Loans FAQs
What is DSCR and why does it matter for real estate investors?
DSCR, or Debt Service Coverage Ratio, measures a property’s ability to cover its loan payments with its rental income. A higher DSCR signals stronger cash flow and a lower risk to lenders. Many real estate lenders use it to qualify investors for rental property loans.
How does your DSCR calculator help me as an investor?
Our calculator simplifies the math by letting you plug in your monthly rental income, loan payment, and other details to instantly see your DSCR. It helps you understand if your deal will meet common lender thresholds — and where you might need to adjust.
What DSCR do I need to qualify for a loan?
While each lender is different, most require a minimum DSCR of 1.00–1.25. That means your rental income must at least match (or exceed) your monthly loan obligations. Use our calculator to test different scenarios and prepare for lender discussions.
What numbers do I need to use this calculator accurately?
To get the most accurate result, gather the following:
– Gross monthly rental income (or projected income)
– Monthly loan payment (principal + interest)
– Optionally: Taxes, insurance, HOA dues (if using a more advanced version)
What if my DSCR is below 1.0 — can I still get a loan?
In some cases, yes. A DSCR below 1.0 means your property doesn’t fully cover its debt payments, which may be acceptable with strong compensating factors like a larger down payment, strong credit, or significant reserves. Use our calculator to model improvements.