DSCR Loan Calculator.
Model lender-style coverage and real investor cash flow side by side - in 60 seconds, no credit pull at this stage. Your estimated ratio shows instantly.
Your deal
Enter your figures - the ratio updates as you type.
Calculated the way most DSCR programs do for 1–4 unit rentals: monthly rent ÷ full monthly payment (principal, interest, taxes, insurance, HOA). Illustrative only, 30-year amortization - programs also weigh leverage, credit and reserves; we confirm the real number before you apply. Sizing outputs show what the entered rent could support at your chosen target ratio - illustrative only. Estimates are educational, not an approval, commitment, rate quote or guarantee. See how these figures are calculated. Want the full lender-and-investor analysis? Run the complete Deal Review.
Email me the full report + the DSCR Playbook.
Your deal's complete underwriter-style breakdown, plus the playbook: how DSCR pricing works, what moves your leverage, and how investors scale with it.
Before you run the numbers
What counts as income in a DSCR calculation?
The property's rent - actual lease rent or market rent from the appraisal. Long-term and short-term rental income can both work, depending on the program. Personal income is generally not used to calculate qualifying DSCR, though credit, liquidity, and entity or guaranty documents may still be reviewed.
What ratio do I need?
Most programs look for roughly 1.0x–1.25x. Above 1.25x is strong and typically opens better structure; below 1.0x isn't a dead end - a larger down payment or different structure often moves the ratio over the line.
Does Airbnb / short-term rental income qualify?
Often, yes - some programs use STR income with a documented history or market data. Send us the deal and we'll tell you honestly which treatment it gets.