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DSCR Calculator

Calculate your debt-service coverage ratio to see if you qualify for DSCR loans.

Enter monthly rent, property taxes, insurance, maintenance %, and vacancy % to calculate net rental income
Enter loan amount, interest rate, and term to calculate annual debt payments
1.25+ meets most lender requirements
1.0–1.25 is marginal — may need to increase rent, reduce price, or increase down payment
Below 1.0 means the loan will be denied

This DSCR calculator is interactive on the live site.

DSCR Results Explained

1.25+ (Qualified): Meets most lender requirements. Rental income covers debt payments with a comfortable margin.
1.0–1.25 (Marginal): Below minimum requirements. May need to increase rent, reduce purchase price, or increase down payment.
Below 1.0 (Not Qualified): Rental income doesn't cover debt payments. Loan will be denied.

Apply once and get a clear funding offer in 24–72 hours — no hard credit pull to pre-qualify.