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DSCR Calculator

DSCR Calculator

Property Information

Property Value ($)
Purchase Price ($)

Income Information

Monthly Rental Income ($)
Other Monthly Income ($)
Total Monthly Income ($)
3,500.00
Vacancy Rate (%)
Management Fee (%)
Adjusted Monthly Income ($)
3,059.00
Annual Adjusted Income ($)
36,708.00

Expense Information

Property Taxes (Annual) ($)
Insurance (Annual) ($)
HOA Fees (Monthly) ($)
Monthly Property Taxes ($)
400.00
Monthly Insurance ($)
125.00
Other Monthly Expenses ($)
Total Monthly Expenses ($)
725.00
Annual Expenses ($)
8,700.00

Loan Information

Down Payment (%)
Loan Amount ($)
360,000.00
Interest Rate (%)
Loan Term (years)
Monthly Principal & Interest ($)
2,517.82
Total Monthly Debt Service ($)
3,242.82
Annual Debt Service ($)
38,913.84

DSCR Calculation

Debt Service Coverage Ratio (DSCR)
0.94
Minimum DSCR Required
Loan Qualification
NOT QUALIFIED

Additional Metrics

Loan-to-Value (LTV) Ratio
72.00%
Cash Required ($)
90,000.00

Quick Reference

DSCR Formula
Annual Net Operating Income ÷ Annual Debt Service
Typical DSCR Requirements
1.25+ (Residential)
1.30+ (Commercial)
Property Qualifies If:
DSCR ≥ Minimum Required DSCR
Tips:
Higher DSCR = Lower Risk
Lower DSCR = Higher Risk
Increase DSCR by raising rent or reducing expenses

Calculate Your Debt Service Coverage Ratio in Seconds

Stop guessing whether your next investment property will qualify for financing. Our DSCR calculator gives you instant clarity on loan qualification and cash flow potential before you make an offer.

Why DSCR Matters for Real Estate Investors:

  • Lenders require minimum DSCR ratios (typically 1.25+ for residential, 1.30+ for commercial)
  • Higher DSCR = better loan terms and interest rates
  • Quickly evaluate deal potential without spreadsheets
  • Avoid wasting time on properties that won’t qualify

How to Use This Calculator

Simply input your property details, rental income, expenses, and loan information. The calculator instantly shows:

  • Your exact DSCR ratio
  • Whether you qualify for financing
  • Loan-to-value ratio
  • Total cash required
  • Annual cash flow projections

Pro Tip: Properties with DSCR above 1.40 often qualify for the best investor loan programs and lowest rates.

Ready to Find Your Next Deal?

This calculator is just the beginning. The real money is made finding properties with strong fundamentals before other investors see them.

🎯 Get Premium Deal Flow: Upgrade to Pro for access to 40+ curated investment properties daily, including detailed DSCR analysis and cash flow projections on every deal.

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Calculate smarter. Invest better. Scale faster.

September 5, 2025

In STR Calculators