DSCR calculator
See whether a rental qualifies on its rent. Enter your numbers and get your debt service coverage ratio instantly.
Estimates only, based on the numbers you enter. Not an offer of credit or a loan approval.
What the ratio means
DSCR stands for debt service coverage ratio. It compares the rent a property brings in to what the loan costs each month.
A ratio of 1.00 means the rent exactly covers principal, interest, taxes, insurance and HOA. Above 1.00, the property pays for itself with room to spare.
Good to know
What is a DSCR loan?
A debt service coverage ratio loan qualifies a rental property on its rent instead of your personal income. No tax returns or pay stubs.
How is DSCR calculated?
Monthly rent divided by the full monthly housing cost: principal, interest, property tax, insurance and any HOA dues.
What DSCR do lenders look for?
Many DSCR programs look for 1.00 or higher, and a higher ratio opens more options. Some programs accept less than 1.00, and no-ratio programs skip it.
Do you offer DSCR loans outside California?
Ask us. Business-purpose investor loans are available in many states, and we shop them with 130+ lenders.
Does checking my options hurt my credit?
No. We start with one soft credit pull, which doesn't affect your score.