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Home › DSCR Calculator

Free DSCR Calculator

Enter your property's rental income and loan details to instantly calculate your Debt Service Coverage Ratio and see if you qualify for a DSCR loan.

DSCR Loan Calculator

Adjust the inputs below — results update instantly

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Actual or market rent from appraisal
$
Purchase price or appraised value
$
Typical: 20–25% on DSCR purchase
$
30-yr fixed DSCR rate estimate
%
Divide annual by 12 for monthly
$
Landlord / dwelling policy
$
Enter 0 if no HOA
$
30-yr fixed is most common
yrs
Loan Amount
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Monthly P&I
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Total PITIA
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LTV Ratio
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Your DSCR Ratio
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Qualification Status
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How DSCR is Calculated

The Debt Service Coverage Ratio measures whether a property's rental income covers its debt obligation. Lenders use this instead of your personal income to qualify you.

DSCR = Monthly Gross Rent ÷ (P&I + Taxes + Insurance + HOA)

A DSCR of 1.25x means the property earns 25% more than it costs to carry — strong qualifier. A DSCR of 1.0x is the minimum for most programs. Below 1.0, a No-Ratio DSCR program may be available.

DSCR Qualification Tiers

1.25x or aboveStrong qualifier
1.10–1.24xGood qualifier
1.0–1.09xMinimum qualifier
Below 1.0No-ratio option
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Quick Tips to Improve DSCR

⬆️ Increase down payment — larger down = smaller loan = lower payment = better DSCR
🎚️ Interest-Only option — IO period cuts payment 25–35%, boosts DSCR significantly
🏷️ Buy down the rate — paying points to lower the rate directly improves DSCR
🏠 Verify market rent — an appraisal may establish a higher rent than current lease

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