DSCR Calculator
Calculate your property's Debt Service Coverage Ratio and see if it meets lender qualification thresholds.
How the DSCR Calculator Works
DSCR equals net operating income divided by annual debt service. A ratio above 1.0 means the property generates enough income to cover its loan payments. Most DSCR lenders require a minimum of 1.20-1.25x. This tool calculates both the NOI-based DSCR and the simplified Rent/PITIA ratio that some lenders use, so you know exactly where you stand.
- NOI-based DSCR: Net Operating Income / Annual Debt Service
- Rent/PITIA ratio: Monthly Rent / (P&I + Taxes + Insurance + HOA)
- Auto-populates rent, vacancy, and expenses from your property
- Override any field without changing your saved property data
Why DSCR Loans Are Different
Traditional mortgages require W-2s, tax returns, and debt-to-income qualification. DSCR loans skip all of that. The lender only cares whether the property's income covers the loan payment. This makes DSCR lending ideal for self-employed investors, those with complex tax returns, or anyone scaling a portfolio where personal DTI is maxed out.
- No personal income verification required
- Qualify based on property cash flow, not your W-2
- Ideal for self-employed investors and business owners
- Scale your portfolio without hitting DTI limits
Sample Output
See what this feature calculates for you.
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