Investor tools
Enter the market rent and the property's monthly cost. The debt service coverage ratio (DSCR) is the rent divided by the full payment, and it's the number DSCR lenders underwrite instead of your personal income. Enter your own interest rate estimate. For program specifics, schedule a call or read how DSCR loans work.
A DSCR of 1.00 means the rent exactly covers the property's full monthly cost. Above 1.00, the property carries itself with room to spare. Many DSCR programs look for a ratio at or above 1.00, and stronger ratios generally open more options; some lenders also consider ratios below 1.00 with compensating factors such as larger down payments or reserves. Requirements and pricing vary widely by lender and program, which is why the same deal can work at one shop and not another.
This estimate uses the figures you enter. Lenders qualify with the appraiser's documented market rent and their own payment calculation, so treat this as a first screen, not an answer. Want the real read? Learn how DSCR loans work or bring me the address and I'll run it across the lenders I shop.
For illustrative purposes only. This calculator provides estimates based on the figures you enter and does not include all costs (such as points, closing costs, or vacancy). It is not a commitment to lend, an offer to extend credit, a pre-qualification, or a guarantee of any rate, payment, term, or ratio requirement. Actual qualification depends on credit, property, appraisal, loan program, and market conditions, and not all applicants will qualify. Consult Daniel for a quote specific to your scenario. Equal Housing Opportunity.
