DSCR Investment Calculator
Calculate Debt Service Coverage Ratio (DSCR) for investment property loans. Determine if your rental income covers mortgage payments and analyze cash flow and ROI.
Debt-Service (DSCR)
Return Metrics
Deal Breakdown
Deal Metrics
Your debt service coverage ratio (0.00) shows your property does not adequately cover cash flow to cover debt obligations. The property generates positive cash flow of $0.00 per month.
Frequently Asked Questions
What is a good DSCR ratio for a rental property loan?
Many DSCR loan programs look for a ratio of 1.0 to 1.25 or higher, meaning the property's rental income covers its mortgage payment plus some cushion. A ratio below 1.0 means the property doesn't fully cover its own debt service, which can still qualify with some programs but typically comes with different terms.
Does a DSCR loan require proof of my personal income?
No. DSCR loans qualify based on the property's rental income relative to its debt payments, not your personal income or tax returns — which is why they're popular with self-employed investors and those building a rental portfolio.
How much down payment do I need for a DSCR loan?
Down payments on investment properties are typically higher than owner-occupied purchases, often in the 20-25% range, though the exact requirement depends on the property, ratio, and loan program.
What expenses should I include when calculating DSCR?
Include all recurring property-level costs: property taxes, insurance, HOA dues, and property management fees, in addition to your projected monthly rent. Leaving out expenses will overstate your DSCR and your actual cash flow.
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