Free DSCR Calculator
Calculate Debt Service Coverage Ratio for rental property loans. Enter the property details and financing terms to see if your rental income qualifies for DSCR lending and how it stacks up against common lender thresholds.
Property & Income
Loan Terms
What is DSCR?
Debt Service Coverage Ratio (DSCR) measures whether a rental property's income covers its mortgage payment. Lenders use DSCR to qualify investors for rental property loans without relying on personal income verification. A DSCR of 1.25 means the property generates 25% more income than the mortgage requires.
DSCR = Net Operating Income / Annual Debt Service
DSCR loans have become the go-to financing for rental investors who cannot qualify through traditional income documentation. Understanding DSCR helps wholesalers market deals to leveraged buyers by showing that the property qualifies for financing.
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For informational purposes only. Results are estimates based on the inputs you provide and are not an appraisal, broker price opinion, or investment advice. Actual values, costs, and returns vary by market, property condition, financing, and other factors. Consult a licensed appraiser, broker, accountant, and/or attorney before making investment decisions.