DSCR Calculator - Qualify for Investment Property Loans
Estimate DSCR, monthly debt service, and projected cash flow for your next rental property.
Expected monthly rent from the property
DSCR loans are often 1-2% higher than conventional loans
Debt Service Coverage Ratio (DSCR)
1.21
Good - Qualifies for many lenders
Monthly Cash Flow
$613
Cash-on-Cash ROI
9.19%
Monthly DSCR Breakdown
| Monthly Rental Income | $3,500 |
|---|---|
| Monthly P&I Payment | $2,237 |
| Property Taxes | $400 |
| Insurance | $100 |
| HOA Fees | $150 |
| Total Monthly Debt Service | $2,887 |
| DSCR | 1.21 |
What is a DSCR Loan?
- No W2s or tax returns required
- Qualify based on rental income alone
- Ideal for self-employed investors and portfolio growth
- Typical down payment range is 15-25%
Who Should Use DSCR Loans?
- Self-employed real estate investors
- Investors with multiple rental properties
- Foreign nationals purchasing U.S. rental properties
- Borrowers looking for income-verification alternatives