DSCR Calculator

DSCR loans qualify you on the property's rent, not your personal income. Check the ratio before you apply.

How it works

• DSCR = the property's monthly net income ÷ the monthly loan payment (principal, interest, taxes, insurance and HOA, depending on the lender).
• 1.0 means the rent exactly covers the payment. Most lenders want 1.1–1.25 or higher for their best rates.

Frequently asked questions

What DSCR do lenders require?

Many lenders want at least 1.0–1.25. Some lend below 1.0 with a larger down payment or higher rate. Requirements vary, so confirm with your lender.

Do lenders use actual rent or market rent?

Often the lower of the current lease or the appraiser's market rent estimate. Vacant properties usually use market rent.