DSCR Loan Calculator

DSCR Loan Calculator

DSCR Loan Calculator
REI Lending · Free Tool

DSCR Loan Calculator

Enter what you already know about the property to estimate your Debt Service Coverage Ratio and monthly payment. DSCR lenders qualify the deal on the property’s rental income, not your personal income.

1

What you’re financing

Enter the property value, your loan amount, and the property’s expected rent.

$
$
$
$
Loan-to-Value: 80.0%
2

Rate & term

Enter your expected rate and loan structure.

%
3

Taxes, insurance & target

Estimates are pre-filled. Replace with your property’s actual figures for an accurate result.

$
National average estimate.
$
National average estimate.
$
Typical minimum across most DSCR programs.
Step 4 · Live Results

What this property qualifies for

Debt Service Coverage Ratio
1.25
Meets typical lender minimums

I. Monthly PITIA

Principal & Interest$2,528.50
Property Taxes$458.33
Insurance$166.67
HOA$0.00
Total Monthly PITIA$3,153.50

II. Loan-to-Value

Pass
Your LTV80.0%

III. Debt Service Coverage

Pass
Monthly Gross Rent$3,950.00
Total PITIA$3,153.50
Your DSCR1.25x
Lender’s Min. DSCR1.20x
See What DSCR Programs You Qualify For
This calculator provides an estimate for informational purposes only and is not a loan offer, pre-approval, or commitment to lend. Actual rates, terms, and qualification depend on lender underwriting.
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