DSCR loan calculator
DSCR loans qualify on a rental property's income instead of your personal income. Enter the numbers to see the ratio (rent divided by the payment) and whether it likely qualifies.
Reviewed by Brian Stroka, NMLS #1682839·Free, no signup·Equal Housing Lender
Strong DSCR
1.31 DSCRThe rent comfortably covers the payment. Most DSCR lenders view a ratio of 1.25+ favorably, often with better pricing.
DSCR ratio
1.31
Monthly payment (PITIA)
$2,446
Monthly cash flow
$754
Principal & interest
$1,946
Taxes + insurance
$500
Loan amount
$300,000
Frequently asked questions
- What DSCR do I need to qualify?
- Many lenders look for a DSCR of 1.0 or higher, and offer better pricing at 1.25+. Some programs allow ratios below 1.0 with a larger down payment or reserves.
- How is DSCR calculated here?
- DSCR = gross monthly rent divided by the full monthly payment (principal, interest, taxes, insurance, and HOA). A ratio of 1.20 means the rent is 120% of the payment.
- Do DSCR loans require tax returns?
- Typically no. Because qualification is based on the property's cash flow, DSCR loans usually skip pay stubs and tax returns, which is why investors and self-employed borrowers use them.
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Questions about your numbers?
Brian Stroka, Loan Officer · NMLS #1682839