DSCR Loan Calculator
Free DSCR calculator for real estate investors. Enter rent, loan amount, taxes, and insurance to see your debt service coverage ratio instantly. No signup required.
DSCR Ratio
Payment Breakdown
Ready to run a full scenario?
Get a complete DSCR qualification review — credit, reserves, property type, and lender programs.
Estimate only. 40-year option reflects interest-only payment; amortizing period payment will be higher. Actual qualification depends on credit, reserves, property type, and lender program. Not a commitment to lend.
How to Use This Calculator
- Monthly Rent — Enter the current lease amount, or the market rent from the appraiser’s 1007 form if the property has no tenant yet.
- Loan Amount — The amount you plan to borrow (purchase price minus down payment).
- Interest Rate — Use today’s quoted DSCR rate. Try the calculation at +1% and +2% to stress-test the deal.
- Monthly Taxes — Annual property tax ÷ 12. For a quick estimate, multiply property value by your county’s effective tax rate and divide by 12.
- Insurance + HOA — Monthly hazard insurance plus any HOA or condo association dues.
The PITIA total drives your DSCR. Lowering it — through a larger down payment or a property with lower taxes — is the most reliable lever when a deal comes in just under 1.00.
DSCR Qualification Tiers
| DSCR Range | Status |
|---|---|
| 1.25 and above | Strong — best pricing available |
| 1.00 – 1.24 | Qualifies — standard program pricing |
| 0.75 – 0.99 | Below 1.0 — may qualify with larger down payment |
| Below 0.75 | Below program minimum on most standard programs |
For below-1.00 options and full program details, see DSCR Loans for Investors → .
Frequently Asked Questions
Ready to Run a Full Scenario?
This calculator gives you a directional read. For a full qualification review — including credit, reserves, property type, and lender program options — talk to a specialist.
Call or text: (833) 350-9185
Learn more: DSCR Loans for Investors · Bank Statement Income Calculator · All Calculators