DSCR Calculator
Calculate your Debt Service Coverage Ratio to see if your investment property qualifies for DSCR financing.
Calculate Your DSCR
Property Income
Monthly Expenses
Loan Details
What is DSCR?
DSCR (Debt Service Coverage Ratio) measures whether a property's rental income can cover its debt payments. Lenders use DSCR to evaluate investment property loans without relying on the borrower's personal income.
How is DSCR Calculated?
DSCR = Net Operating Income / Debt Service
For example, if a property generates $2,500/month in rent after expenses and the loan payment is $2,000/month, the DSCR is 1.25x.
What DSCR Do Lenders Require?
- •1.25x+: Strong qualification. Most DSCR lenders will approve at this ratio.
- •1.00-1.24x: Marginal qualification. May require higher down payment or rate adjustment.
- •0.75-0.99x: Some lenders offer programs for lower ratios with compensating factors.
DSCR Loan Requirements
- ✓Minimum Credit Score: Typically 660-680+
- ✓Down Payment: Typically 20-25%
- ✓Property Types: 1-4 unit residential, multifamily, mixed-use
- ✓Documentation: No personal income documentation required
- ✓Loan Amounts: $100K to $3M+ depending on lender
Ready to explore DSCR financing?
Our team can help you find the right DSCR loan for your investment property.