DSCR Loan Calculator

Estimate whether your investment property qualifies for a DSCR loan. Enter the property value, loan terms, and expected rent to see your DSCR, estimated payment, potential loan size, and rental income needed to qualify.

How to Use This Calculator

Step 1
Enter the property value, expected rent, and estimated loan terms.
Step 2
Add taxes, insurance, HOA, and any optional stress-test assumptions.
Step 3
Review your DSCR, monthly payment, max loan amount, and minimum rent needed.
Step 4
Click Get My DSCR Quote to request exact loan terms for your scenario.

Loan & Property Inputs

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Enter expected monthly market rent.

Advanced Stress Test

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Results

Base DSCR
1.00x
Rental income covers the full monthly housing payment.
Borderline / Review
Monthly PITIA
$0
Principal, interest, taxes, insurance, HOA
Loan Amount
$0
Based on selected loan mode
Cash to Close
$0
Excludes reserves and closing costs
Monthly Cash Flow
$0
Gross rent minus monthly PITIA
How this compares to a 1.25x target 0%
  • A DSCR of 1.00 means rent equals debt service.
Stress-Test DSCR
0.00x
After optional vacancy and expense assumptions
Stressed NOI
$0
Adjusted monthly income after stress inputs and PITIA
Max Loan @ Target DSCR
$0
Estimated max loan using selected target DSCR
Minimum Rent Needed
$0
Estimated monthly rent needed to hit target DSCR
Get My DSCR Quote
This calculator is for educational and lead-generation purposes only and does not represent a loan approval or commitment.