DSCR Calculator
Calculate your Debt Service Coverage Ratio to see if your rental property qualifies. DSCR loans require no income verification.
Calculate Your DSCR
Enter your property details to see if the rental income covers the debt service. A DSCR of 1.25x or higher is ideal.
Property Details
Property Value
$350,000
Monthly Rent
$2,800
Vacancy Rate
5%
Loan Terms
Interest Rate
7.50%
Loan-to-Value (LTV)
75%
Monthly Expenses
Property Taxes
$250
Insurance
$150
HOA
$0
1.23x
Loan Amount
$262,500
Down Payment
$87,500
Effective Gross Income
$2,660
Net Operating Income
$2,260
Monthly P&I
$1,835
Monthly Cash Flow
$425
Cash-on-Cash Return
5.8%
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We'll review your numbers and call you within 24 hours.DSCR Loan FAQ
What is DSCR?
Debt Service Coverage Ratio measures whether a property generates enough income to cover its debt payments. DSCR = Net Operating Income / Total Debt Service. A ratio above 1.0 means the property cash flows.
What DSCR do I need to qualify?
Most DSCR lenders require a minimum of 1.0x, but 1.25x or higher gets the best rates. Some programs accept 0.75x DSCR with compensating factors.
Do I need to verify my personal income?
No. DSCR loans qualify based on the property's rental income, not your personal income. This makes them ideal for self-employed investors and portfolio holders.
What counts as Net Operating Income (NOI)?
NOI = Gross Rental Income - Vacancy - Taxes - Insurance - HOA - Management. It does NOT include mortgage payments.
Qualify Based on Cash Flow, Not Income
Our DSCR Bridge Plus program requires no income documentation. Get pre-qualified based on your property's rental income.