DSCR Loan Calculator
Does this property cash flow?
DSCR loans qualify on the property's own income, not your personal income — the whole question is whether the rent covers the mortgage. Enter the numbers below and see your Debt Service Coverage Ratio.
Property & loan
DSCR programs generally require at least 20% down.
Needed to calculate the monthly principal & interest payment — adjust to match a real quote.
Income & carrying costs
Debt Service Coverage Ratio
0.00
Monthly PITI breakdown
Principal & interest
Taxes
Insurance
Total PITI
Monthly rental income
from last 12 months, ÷ 12
→
÷ Monthly PITI
About your credit score: the higher your credit score, the lower your loan interest rate will typically be. Most DSCR loan programs require a minimum credit score of 640 or higher.
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Illustrative estimate only, not a loan approval, quote, or commitment. Actual qualification depends on the lender's current DSCR program guidelines, property type, occupancy, reserves, and full underwriting — including items not captured here, such as HOA dues where applicable. Rates and required down payment vary by lender and by file. Credit score minimums and pricing impact vary by lender and file as well.