DSCR loan analysis

Does Your Property Qualify?

Calculate your property's Debt Service Coverage Ratio and see if it qualifies for asset-based DSCR lending -- no personal income verification needed. Compare loan scenarios and visualize qualification zones instantly.

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3
Loan Scenarios
NOI-Based
DSCR Calculation
4
Interactive Charts
Instant
Qualification Verdict

What You Get

Everything you need, built for real estate investors.

DSCR Calculator

Enter loan terms and property income to instantly see your DSCR ratio and qualification status. The tool calculates both NOI-based and Rent/PITIA ratios used by different lenders.

Scenario Comparison

Compare up to three loan scenarios side by side -- different rates, LTVs, and terms. See which combination qualifies and which gives you the best closing costs.

Sensitivity Analysis

View a rate-by-LTV matrix showing DSCR at every intersection. Color-coded cells instantly reveal which combinations qualify and which fall short.

Simple, Transparent Pricing

Choose the plan that works for you.

Monthly

$99.00
per month
  • DSCR ratio calculator (NOI-based and Rent/PITIA)
  • Qualification verdict with lender thresholds
  • Up to 3 loan scenario comparison
  • Rate and LTV sensitivity matrix
  • DSCR gauge, rate sensitivity, and LTV charts
  • Auto-populate from existing properties
  • Full income and expense override support
  • Max loan amount and breakeven rent calculations
  • All future updates included
Subscribe Monthly
Best Value

Yearly

$999.00
per year
Save $189.00/yr
  • DSCR ratio calculator (NOI-based and Rent/PITIA)
  • Qualification verdict with lender thresholds
  • Up to 3 loan scenario comparison
  • Rate and LTV sensitivity matrix
  • DSCR gauge, rate sensitivity, and LTV charts
  • Auto-populate from existing properties
  • Full income and expense override support
  • Max loan amount and breakeven rent calculations
  • All future updates included
Subscribe Yearly

Features and pricing are subject to change as we continue to improve the product.

How It Works

1

Select a Property

Choose from your existing properties or enter details manually. Rent, expenses, and property value auto-populate from your saved data.

2

Set Loan Terms

Enter the interest rate, LTV, loan term, and lender DSCR thresholds. Add up to two additional scenarios for side-by-side comparison.

3

See Your Verdict

Get an instant qualification status with DSCR ratio, gauge chart, sensitivity matrix, and clear guidance on whether the property qualifies for DSCR lending.

Explore Features

Dive deeper into what each feature offers.

DSCR Calculator

Calculate your property's Debt Service Coverage Ratio and see if it meets lender qualification thresholds.

Learn more →

Scenario Comparison

Compare up to three loan scenarios side by side to find the best DSCR loan structure for your property.

Learn more →

Sensitivity Analysis

See how DSCR changes across a matrix of interest rates and LTV percentages to find your qualification sweet spot.

Learn more →

Why Investors Choose This Tool

Instant Qualification

Auto-populates from your properties -- see DSCR ratio and verdict in seconds.

Compare Scenarios

Test up to 3 loan structures side by side to find the one that qualifies.

Sensitivity Matrix

Rate-by-LTV grid shows exactly where qualification breaks down.

Sample DSCR Loan Analysis

Rental property: $2,500/mo rent, $350,000 value, 7.5% rate, 75% LTV, 30yr term

Sample Results
Annual NOI $25,740
Annual Debt Service $19,068
DSCR (NOI-based) 1.35x
DSCR (Rent/PITIA) 1.28x
Qualification Qualifies
Max Loan at 1.25x $286,400

Does Your Property Qualify?

Find out if your rental qualifies for a DSCR loan in seconds -- no income docs needed.

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