DSCR Loan Calculator
DSCR (Debt Service Coverage Ratio) is what investor lenders use instead of W-2 income. Rent ÷ PITI = DSCR. Above 1.25 = easy approval. Below 1.0 = rate goes up or deal gets rejected.
Property
Loan
Operating costs (the "I" + "T" + HOA in PITI)
Income
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What lenders care about
No tax returns. No pay stubs. Just: does the rent cover the payment plus taxes, insurance, and HOA? That ratio is the entire underwriting story.
Why DSCR loans cost more
Typically 0.5–1.5% higher than conventional. The trade-off is unlimited unit count and no W-2 income verification — worth it past your 4th property.
When to use no-ratio
Below 1.0 DSCR you can still close via "no-ratio" programs. Rate jumps ~1%. Use only if appreciation play makes the negative cash flow worth it.
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