Free DSCR Calculator
Calculate your Debt Service Coverage Ratio instantly. Find out if your rental property qualifies for a DSCR loan without income verification.
DSCR Calculator
Debt Service Coverage Ratio
Rental Income
Annual Operating Expenses
Loan Details
Your property doesn't cover its debt. Consider increasing rent or reducing loan amount.
Financial Summary
Debt Service
Annual Cash Flow
What is Debt Service Coverage Ratio?
The Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its debt obligations using rental income. It's calculated by dividing the property's Net Operating Income (NOI) by its total debt service (mortgage payments).
Lenders use DSCR to determine if a rental property generates enough income to qualify for financing without relying on the borrower's personal income.
DSCR Formula
DSCR Loan Requirements by Ratio
Property doesn't generate enough income to cover debt. Most lenders won't approve.
Minimal cash flow. Some lenders accept with higher rates or larger down payments.
Healthy cash flow buffer. Most lenders approve with competitive rates.
Strong cash flow. Best rates and terms available. Ideal for investors.
How to Improve Your DSCR
Increase Rental Income
Raise rents to market rates, add amenities, or convert to short-term rentals for higher income potential.
Lower Interest Rate
Shop multiple lenders, improve credit score, or buy down points to reduce your monthly debt service.
Larger Down Payment
Putting more money down reduces your loan amount and monthly payments, improving DSCR.
Ready to Apply for a DSCR Loan?
Get pre-qualified in minutes with no impact to your credit score