DSCR Loan Calculator
Estimate whether a rental property meets a modeled DSCR target, then solve for supportable loan amount, required rent, down payment, PITIA or ITIA, and cash-out refinance proceeds.
Preliminary lending screen only. DSCR loans are commonly investor/business-purpose programs, but legal treatment and eligibility depend on borrower, occupancy, purpose, collateral, state rules, and lender overlays. This is not a loan approval, quote, legal advice, tax advice, or investment advice.
How this DSCR calculator works
The primary residential investor screen is qualifying monthly rent divided by monthly PITIA. When interest-only is selected, the calculator uses ITIA by replacing principal and interest with interest-only debt service.
The supportable loan amount is the lower of DSCR support, the selected max LTV cap, and the lender loan cap. Purchase mode shows down payment and cash to close. Cash-out refinance mode subtracts payoff, points, and closing costs from the new loan amount.
The commercial cross-check uses annual NOI divided by annual debt service. It is included for comparison because multifamily and commercial underwriting often use NOI instead of gross rent over PITIA.
DSCR formulas
- Residential DSCR = Qualifying Monthly Income / Monthly PITIA
- Interest-Only DSCR = Qualifying Monthly Income / Monthly ITIA
- Required Rent = Target DSCR x Monthly PITIA or ITIA
- Commercial DSCR = Annual NOI / Annual Debt Service
State-specific DSCR calculator pages
State pages seed property-tax and insurance defaults. They do not hard-code lender approval, prepayment-penalty, or STR legality rules.
Frequently Asked Questions
What is a DSCR loan calculator?
A DSCR loan calculator compares qualifying rental income to the monthly housing payment a lender may use for a rental property loan. For many 1-4 unit investor DSCR programs, the screen is gross qualifying rent divided by PITIA, or ITIA when interest-only is selected.
What DSCR do rental property lenders usually want?
Many programs screen around 1.00x to 1.25x, with stronger pricing or leverage often tied to higher DSCR. The exact threshold depends on lender, credit, LTV, reserves, property type, transaction type, and documentation.
Does this calculator determine whether I qualify for a DSCR loan?
No. It only tests a modeled DSCR target. It does not determine credit, appraisal, reserves, legal purpose, entity eligibility, STR eligibility, state limits, lender overlays, or final loan approval.
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