Free investor tool

DSCR calculator for rental property.

See whether a rental's rent covers its full payment, the way a DSCR lender will look at it. Give us the address and we'll check your rent against nearby rental comps too.

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The property
Used for the market rent check.
The loan
$
$ Starts at 75% of value. Change it freely.
% Your quoted or expected rate.
Income and expenses
$ Lease or expected rent. Leave blank and we'll use the market median.
$
$
$ A quote or a rough estimate.
Where to send your results
No credit pull. This only helps us match the right lender.
By submitting, you agree we may contact you about this property by phone, text, or email. Message and data rates may apply; reply STOP to opt out of texts. We don't sell your information. See our Privacy Policy. This is not an application for credit and not a commitment to lend. All financing is for business purposes, secured by non-owner-occupied investment property.

How it works

How DSCR is calculated.

DSCR stands for debt service coverage ratio. It is the monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance, and any HOA dues. A DSCR loan qualifies on that ratio instead of your personal income, so there are no W-2s or tax returns.

The bar is a ratio above 1.0, meaning the rent covers the payment. A 1.0 can sometimes be placed for a strong borrower. Below that, the fixes are more rent evidence, a smaller loan, or more down, and the calculator shows you how much of each.

An example

A single-family rental leases for $1,850 a month. The full payment, with principal, interest, taxes, and insurance, comes to $1,600.

$1,850 ÷ $1,600 = 1.16 DSCR. The rent covers the payment with room to spare, so the deal qualifies on the property alone.

Illustrative example only. Real terms depend on the lender, the property, and the borrower, and are not a commitment to lend.

Coverage ratio
Above 1.0Rent has to cover the full payment.
Leverage
Up to 75% of value80% is possible on some files, at a noticeably higher rate.
Credit
Starts around 640 to 660Varies by lender. Stronger scores buy better pricing.
Income docs
NoneNo W-2s, pay stubs, or tax returns.

Typical ranges across the lenders we place with, not a quote. See DSCR purchase loans and DSCR refinance for the full picture.

Questions

DSCR calculator questions.

What is DSCR?
DSCR stands for debt service coverage ratio: the property's monthly rent divided by its full monthly payment of principal, interest, taxes, insurance, and any HOA dues. A DSCR loan qualifies on that ratio instead of your personal income.
What DSCR do I need?
Above 1.0, meaning the rent covers principal, interest, taxes, insurance, and any HOA dues. A strong borrower can sometimes close at exactly 1.0, but anything below that is not placeable.
What counts in the payment?
Principal and interest, property taxes, insurance, and HOA dues: the full monthly payment. Vacancy, repairs, and management are not part of the lender's ratio, though they matter for your own cash flow.
Which rent does the lender use?
The appraiser's rent schedule, which compares the property with nearby rentals. When a lease is in place, the lender looks at it too. The market rent check in this calculator is a screening estimate from rental comps, not the appraisal.
Why do I have to enter the interest rate?
We don't publish rates, because DSCR pricing moves with your credit, the leverage, the property, and the lender. Use the rate you've been quoted or expect, and we'll come back with real terms.
Does this pull my credit?
No. Nothing here touches your credit, and it is not an application. It sends your numbers to a loan officer so they can follow up with real terms.

Rather talk the deal through?

Call or text. We'd rather hear the deal than read about it.

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