Investors
DSCR Calculator
DSCR loans qualify real estate investors on the property's cash flow — not personal income. This calculator computes the debt service coverage ratio so you can quickly see whether a target property will qualify.
Enter your details
Loan: $300,000.00
DSCR
0.99
Rent is below the entered housing payment
Rent less housing payment
-$12.57
Negative
Total monthly debt
$2,512.57
P&I + tax + ins + HOA
Loan amount
$300,000.00
Principal & interest
$1,995.91
How this is calculated
- DSCR = gross monthly rent ÷ total monthly debt service (P&I + taxes + insurance + HOA).
- A ratio of 1.0 means the rental income entered covers the housing payment included here. Operating costs and vacancies can still reduce cash flow.
- Most lenders require 1.0+ — 1.25+ is stronger and may unlock better terms.
- Down payments for DSCR loans generally start at 20–25%.
- DSCR loans qualify on property cash flow, not personal income or tax returns.
Important disclaimer
The figures produced by this calculator are estimates provided for informational and educational purposes only. They are not a commitment to lend, a loan estimate, or a guarantee of any terms, rate, or approval.
Actual costs depend on many factors the tool cannot fully account for, including your specific loan program, the property's location and type, your credit profile, debt-to-income ratio, income documentation, current market interest rates, mortgage insurance requirements, taxes, and insurance premiums.
Interest rates, fees, and program guidelines change frequently. For an accurate quote tailored to your situation, connect with a One Eleven Mortgage loan officer who can review your complete financial picture and provide live, personalized numbers.
Next Step
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Founder & CEO
Kahren can turn these estimates into a real plan with live rates and program options.