DSCR Calculator

Debt Service Coverage Ratio — does this rental qualify for a DSCR loan? As-Is vs Pro Forma side by side.

InputsShared

Loan Details

Purchase Price?

Down Payment %

Interest Rate %

Loan Term (years)

Income

Current Monthly Rent?

Pro Forma Monthly Rent?

Expenses (monthly)

Vacancy %

PF Vacancy %

Property Tax/mo

Insurance/mo

Maintenance %

HOA/mo

As-Is DSCRCurrent rents

Enter loan details and rent to calculate DSCR

DSCR Ratio

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min 1.0–1.25

Monthly NOI

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before debt service

Mortgage P&I

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monthly payment

Cash Flow

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after all expenses

DSCR Qualification Analysis

Monthly Gross Rent—

Effective Monthly Income—

Operating Expenses/mo—

Monthly NOI—

Mortgage Payment (PITIA)—

DSCR = NOI ÷ Mortgage—

Lender Thresholds

≥ 1.25 — StrongBest rates

1.0–1.25 — AcceptableStandard terms

0.8–1.0 — MarginalMay need more down

< 0.8 — InsufficientMost lenders decline

Pro Forma DSCRStabilized rents

Enter pro forma rent to see stabilized DSCR

DSCR Ratio

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vs As-Is

Monthly NOI

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vs As-Is

Mortgage P&I

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same loan

Cash Flow

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vs As-Is

Pro Forma DSCR Build-Up

Monthly Gross Rent—

Effective Monthly Income—

Operating Expenses/mo—

Monthly NOI—

Mortgage Payment (PITIA)—

DSCR = NOI ÷ Mortgage—

Minimum Rent to Qualify

For DSCR = 1.0—

For DSCR = 1.25—

📄 Email My DSCR Report

As-Is vs Pro Forma analysis for your lender — free PDF.

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DSCR = NOI ÷ Mortgage

Monthly NOI divided by monthly mortgage payment. Lenders want ≥ 1.0 to 1.25.

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No W-2 Required

DSCR loans qualify on property income only — ideal for self-employed or investors with complex taxes.

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Pro Forma DSCR

Some lenders will use pro forma rents for vacant or below-market properties. Show them this column.

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Min Rent Fields

The "Minimum Rent to Qualify" rows show exactly what rent you need for a 1.0 and 1.25 DSCR.

DSCR (Debt Service Coverage Ratio) is the primary metric DSCR lenders use to qualify investment property loans. Unlike conventional mortgages, DSCR loans don't require W-2 income verification — the property's rental income is what qualifies.

Most lenders require a minimum DSCR of 1.0 (break-even) to 1.25 (strong positive cash flow). Some programs allow as low as 0.75–0.8 with higher down payments. DSCR loans typically have slightly higher rates than conventional but offer much faster closing and less documentation.