DSCR Loan Calculator
Calculate your DSCR ratio, monthly payments, and loan eligibility for rental property financing. No personal income required — qualify based on property cash flow.
DSCR (Debt Service Coverage Ratio) loans are the standard for rental property investors who want to qualify based on property income instead of personal tax returns. Our calculator helps you understand exactly what you can borrow before submitting your deal.
Enter the property value, your target loan amount, the interest rate, and the term. The calculator instantly shows your monthly interest payment, your LTV ratio, and whether you fall within typical lender guidelines (75% LTV maximum for DSCR).
DSCR rates currently range from 8-12% with terms of 12-24 months for short-term programs, or 30-year fixed options for long-term holds. All payments are interest-only.
What You Can Calculate
Monthly interest payment
Total interest over loan term
LTV ratio with visual gauge
Maximum eligible loan amount
Property cash flow analysis
Pre-qualification check
Ready to calculate?
Run the numbers in seconds, then submit your deal and get financing options within 24 hours.