DSCR Loan Calculator
Your estimated ratio in 60 seconds. No credit pull.
Your deal
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. Own a 5–8 unit, short-term rental or condotel? Use the program-rule calculator. Want the full lender-and-investor analysis? Run the complete Deal Review.
Prepare your DSCR review
The program calculator compares financing assumptions; the analyzer helps explore rental coverage. Neither replaces a lender review.
Have a specialist review my numbers
A specialist replies personally: how your DSCR reads, what moves leverage, next steps.
Quick questions
What counts as income in a DSCR calculation?
The property's rent: lease rent or the appraiser's market rent. Personal income is not used, though credit and reserves are still reviewed.
What ratio do I need?
Most programs want roughly 1.0x–1.25x. Below 1.0x, a larger down payment or different structure often gets you over the line.
Does Airbnb / short-term rental income qualify?
Often. Some programs use STR income with documented history. Send the deal and we'll tell you.
Prepare the next decision
Our first DSCR loan guide separates qualifying rent from real cash flow and explains what to prepare as a new landlord. It includes a refinance example with less cash available than expected.