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Investors
DSCR Calculator
DSCR (Debt Service Coverage Ratio) is how investor lenders qualify rental property loans. Your W-2 income doesn't matter — only whether the property pays for itself.
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How to use this calculator
- Enter the monthly rent (or appraised market rent).
- Enter the monthly mortgage principal & interest.
- Add insurance, property tax, and HOA fees monthly.
- We'll compute your DSCR ratio.
What your results mean
DSCR = Monthly Rent ÷ Monthly PITIA. A ratio of 1.0 means the property exactly breaks even. Most DSCR lenders want 1.25 or higher. Above 1.5 unlocks the best rates.
How to qualify for a DSCR loan
- Use realistic, market-supported rent — lenders will appraise it.
- Push down payment to 25%+ — improves DSCR and lowers your rate.
- Buy in cash-flowing markets (Midwest, parts of South) where rent supports the loan.
- Improve credit to 720+ for the lowest DSCR loan rates.
- DSCR loans don't have personal income limits — perfect for self-employed investors.