DSCR Loan Calculator
Estimate the loan a rental supports, its DSCR, and your cash to close.
DSCR Loan Calculator — Deal Summary
calculatedscr.xyz · Generated June 3, 2026
DSCR (target 1.00)
1.20 PASS
Estimated loan amount
$240,000
Limited by: LTV
Deal inputs
Results
DSCR is calculated on the fully-amortizing payment.
Estimates are for educational purposes only and are not a commitment to lend or a quote. Loan programs, DSCR thresholds, rates, and down payment requirements vary by lender and property.
Deal inputs
Results update as you type.
Informational
DSCR (target 1.00)
1.20
$240,000
DSCR is calculated on the fully-amortizing payment.
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What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a mortgage for investment property that qualifies on the rental income the property produces rather than your personal income. Because approval is driven by the deal’s cash flow, DSCR loans typically skip tax returns, pay stubs, and employment verification — making them a go-to financing tool for real estate investors and self-employed buyers.
How is DSCR calculated?
DSCR is the property’s monthly gross rent divided by its monthly PITIA — Principal, Interest, Taxes, Insurance, and Association (HOA) dues:
DSCR = Monthly Gross Rent ÷ Monthly PITIA
A DSCR of 1.0 means the rent exactly covers the loan payment. Most lenders look for 1.0 to 1.25, and you usually get the best rates at 1.25 or higher. This calculator runs the full PITIA payment for you and shows the DSCR instantly as you adjust rent, rate, and down payment.
How to use this calculator
- Enter the purchase price and your down payment.
- Add the interest rate, term, taxes, insurance, and any HOA dues.
- Enter the expected monthly rent.
- Instantly see the supported loan amount, monthly PITIA, DSCR, and estimated cash to close.
Frequently asked questions
What is a DSCR loan?+
A DSCR (Debt Service Coverage Ratio) loan is a mortgage for investment property that qualifies on the rental income the property produces rather than the borrower's personal income. Because approval is based on the property's cash flow, these loans typically skip tax returns, pay stubs, and employment verification — which makes them popular with real estate investors and self-employed borrowers.
How is DSCR calculated?+
DSCR is the property's monthly gross rent divided by its monthly PITIA — Principal, Interest, Taxes, Insurance, and Association (HOA) dues. For example, $2,400 in rent against a $2,000 PITIA payment gives a DSCR of 1.20, meaning the rent covers the payment 1.2 times over.
What is a good DSCR for a rental property?+
A DSCR of 1.0 means the rent exactly covers the loan payment. Most lenders look for at least 1.0 to 1.25, and you'll usually get the best rates and terms at 1.25 or higher. A higher DSCR signals more cushion and lower risk to the lender.
Can I get a DSCR loan with a DSCR below 1.0?+
Often yes. Many lenders offer programs down to around 0.75, and some have 'no-ratio' options where the property doesn't need to cash flow at all. These typically come with a higher interest rate, a larger down payment, or additional reserves. Exact thresholds vary by lender.
Do DSCR loans require income or employment verification?+
Generally no. DSCR loans are underwritten on the property's rental income, so they usually don't require personal income documentation, debt-to-income (DTI) calculations, or proof of employment. Lenders still check credit and may require cash reserves.
How much down payment do DSCR loans require?+
Down payments commonly range from 20% to 25% of the purchase price, depending on the lender, your credit score, the property type, and the DSCR. Stronger DSCRs and credit profiles can unlock lower down payments and better pricing.
Estimates are for educational purposes only and are not a commitment to lend or a quote. Loan programs, DSCR thresholds, rates, and down payment requirements vary by lender and property.