DSCR Calculator · Rental Loans
Check if your rental meets lender DSCR.
DSCR (Debt Service Coverage Ratio) compares your property’s net operating income to the monthly loan payment. Most DSCR lenders look for 1.10–1.25+.
1. Income & Expenses
$
$
%
%
$
2. Results & Lender View
Gross monthly income
$0
Monthly NOI
$0
Annual NOI
$0
Actual DSCR
0.00
Target DSCR
1.20
Max payment at target DSCR
$0
Run the numbers
Enter a rental to get a DSCR.
DSCR is NOI ÷ monthly debt payment. Lenders usually want the property’s income to comfortably cover the payment.
This tool is for rough screening only, not a loan approval. Always confirm numbers with your lender’s exact guidelines, reserves, and underwriting.
📘 What Is a DSCR Loan?
A DSCR loan lets rental property investors qualify using property income instead of personal income. It’s one of the fastest ways to scale a rental portfolio without traditional income verification.
DSCR looks solid? See which lenders may approve it.
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