DSCR rental calculator

Every investment-property loan we write starts with one number: DSCR — debt service coverage ratio. It's the single most important qualification metric in non-QM investor lending, and unlike personal-income loans, it's the property that has to qualify, not you. This calculator runs the same math we use in underwriting: monthly gross rent divided by monthly PITIA. A DSCR of 1.0 means rent exactly covers the payment. Anything above 1.0 is positive cash flow after debt service. Anything below 1.0 means the property has negative cash flow monthly — you can still qualify for a sub-1 DSCR ratio loan, but rates are higher.

Purchase and refinance, one tool. Whether you're buying or refinancing, the cash-flow analysis is the same — same rent, same expenses, same DSCR. The only thing that changes is how you measure your return. On a purchase, your cash in the deal is the down payment, so the tool shows cash-on-cash return. On a refinance, you didn't put money down, so the tool measures return on the equity you hold instead. Switch modes at the top; everything else updates live.

What to do with the result. A DSCR of 1.25 or higher generally lands in our best-pricing tier on standard programs. Between 1.0 and 1.25 still qualifies for standard DSCR, which is the most common. Between 0.75 and 1.0 routes to our Sub-1 DSCR program (typically a 5% LTV reduction). Below 0.75, our No-Ratio DSCR program is available with tighter LTV caps. If credit is the constraint rather than cash flow, our Easy 50 program has no minimum DSCR and no minimum credit score (capped at 50% LTV) — useful for properties with strong appreciation upside that don't pencil on rent alone. If the number you got here doesn't quite work, send us the scenario anyway. We close over 95% of applications we start because we underwrite the deal, not the box.