Terms of Use

These Terms of Use govern your use of the DSCR Loan Calculator at calculatedscr.xyz (the “Service”). By using the Service, you agree to these terms. If you do not agree, please do not use the Service.

The Service

The Service is a free tool that estimates the loan a rental property may support, the monthly payment (PITIA), the debt service coverage ratio (DSCR), and estimated cash to close, based on the inputs you provide. The Service also offers optional accounts and a paid “Premium” plan.

Accounts

Some features, such as saving scenarios to your account, require you to register. You must be at least 18 years old and provide accurate information. You are responsible for keeping your password and any two-factor authentication method secure, and for activity that occurs under your account. We may suspend or terminate accounts that violate these Terms or are used for abuse. You may delete your account at any time by contacting us.

Premium subscription and payments

Signed-in accounts can save unlimited scenarios, compare them, and run a limited number of AI analyses at no charge. Upgrading to Premium increases the AI analysis allowance. Premium is a paid plan, and payments are processed by our payment provider, Stripe; by purchasing, you also agree to Stripe’s terms. If Premium is offered as a subscription, it renews automatically for successive periods until you cancel; if offered as a one-time purchase, it is a single charge. Prices and features may change with reasonable notice. Except where required by law, payments are non-refundable. You can cancel or manage your plan through your account (via the Stripe billing portal) or by contacting us.

Not financial advice or a commitment to lend

All results are estimates for educational purposes only. They are not financial, legal, tax, or investment advice, and they are not an offer, quote, pre-approval, or commitment to lend. Actual loan programs, rates, DSCR thresholds, down payments, and terms are determined by lenders and vary by borrower and property. You should consult qualified professionals and the lender before making decisions.

Accuracy and assumptions

The Service is provided “as is” without warranties of any kind. Calculations use simplified models — for example, adjustable-rate (ARM) and balloon scenarios rely on assumptions that may differ from a specific lender’s underwriting. We do not warrant that results are accurate, complete, or suitable for your situation.

AI deal analysis

The optional AI Deal Analyzer uses a third-party AI provider to turn the notes or screenshot you submit into suggested calculator inputs. AI output may be inaccurate, incomplete, or misinterpreted, so you must review and confirm every value before relying on it. You are responsible for what you submit, must have the right to submit it, and should not include other people’s confidential or personal information. The feature is subject to usage limits that vary by plan.

Loan inquiries

If you submit the loan-terms form, you agree to be contacted as described at the point of submission and may be connected with our preferred lender, Fast Money for Flips. See our Privacy Policy for how your information is handled.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or reliance on, the Service or its results.

Intellectual property

The Service, including its design, text, and software, is owned by us and protected by applicable laws. You may use the Service for your own personal or business deal analysis but may not copy or redistribute it as your own.

Changes to these terms

We may update these Terms from time to time. Changes take effect when posted, and the “Last updated” date above will reflect the most recent revision.

Contact us

Questions about these Terms? Email us at ethan@fastmoneyforflips.com.