DSCR Calculator
Calculate DSCR for investment property loans. Free debt service coverage ratio calculator helps you qualify for DSCR loans and evaluate deal viability.
Property Income
Taxes, insurance, maintenance (excluding mortgage)
Loan Details
Qualifies for most DSCR loans
How It's Calculated
DSCR (Debt Service Coverage Ratio) measures how well the property's income covers the loan payments. Lenders typically require 1.20-1.25 minimum for DSCR loans.
Monthly Breakdown
Lender DSCR Requirements
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Frequently Asked Questions
What is DSCR?
DSCR (Debt Service Coverage Ratio) measures whether a property's rental income can cover its debt payments. A DSCR of 1.0 means income exactly covers debt; above 1.0 means positive cash flow.
What DSCR do lenders require?
Most lenders require a minimum DSCR of 1.20-1.25 for investment property loans. Some DSCR loan programs may accept 1.0 or even below 1.0 with compensating factors.
How do I improve my DSCR?
Improve DSCR by increasing rental income, reducing operating expenses, making a larger down payment (to reduce debt service), or negotiating a lower interest rate.
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