DSCR Loan Calculator — Analyze Investment Property Cash Flow

DSCR Loan Calculator

Calculate your property's DSCR ratio, monthly cash flow, and qualification status instantly.

Property & Loan Details

Rental Income

(estimated)
(estimated)
Apply 25% vacancy & expense adjustment (conservative)
Your DSCR Ratio
1.11
0.751.001.251.50+
Monthly Rent Income$2,500
Principal & Interest-$1,747
Property Taxes-$283
Insurance-$219
HOA / Flood$0
Total PITIA-$2,249
Monthly Cash Flow+$251
Annual Cash Flow+$3,012
Cash-on-Cash Return2.8%
Total Cash Required$98,000

Compare Loan Structures

Quick Scenario Adjustments

Adjust Monthly Rent
$2,500
Adjust Interest Rate
7.00%

What Rent Do I Need?

Rent needed for 1.00 DSCR$2,249
Rent needed for 1.25 DSCR$2,811

Ready to Lock In Your DSCR Loan?

Your property qualifies. Let us compare rates across 60+ lenders and find the best terms for your investment.

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Or call directly: (954) 300-1287
1st Capital Group | NMLS #64367 | Nick Lazarevic NMLS #386391 | Licensed Mortgage Broker
Rate shown is for estimation only. Contact us for current DSCR loan rates. All calculations are estimates and do not constitute a loan offer or commitment. Actual rates, terms, and qualification requirements are determined by the lender at time of application. Equal Housing Opportunity.

How this DSCR calculator helps

A DSCR loan calculator helps investors estimate whether a rental property's income can support the proposed mortgage payment. Use it as a quick planning tool before reviewing full loan terms, property taxes, insurance, HOA dues, and reserve requirements.

For Florida investors, DSCR financing can be useful when personal tax returns do not show the full strength of the borrower, or when the property is expected to qualify primarily on rental cash flow.

DSCR Calculator FAQs

What does DSCR mean?

DSCR means debt service coverage ratio. It compares rental income to the monthly mortgage payment and related housing expenses.

What DSCR do lenders usually want?

Many programs target a DSCR around 1.00 or higher, though requirements vary by lender, credit profile, property type, and down payment.

Can foreign nationals use DSCR loans?

Yes. Some foreign national mortgage programs can qualify investment property buyers using rental cash flow instead of U.S. personal income.

Are DSCR loans only for full-time investors?

No. They may fit first-time investors, portfolio investors, self-employed borrowers, and buyers comparing DSCR loans with other non-QM options.

What if I am self-employed?

If the property does not fit DSCR guidelines, a bank statement loan may be another way to document income.