Real Estate Investing
DSCR Loan Calculator
Estimate your DSCR loan payment and qualification ratio. DSCR loans qualify based on the property's rental income rather than your personal income — if the rent covers the debt service, you qualify.
Taxes, insurance, HOA, maintenance, vacancy
DSCR Ratio
1.117
Monthly Payment
$1,880.58
Monthly Cash Flow
$219.42
Net Operating Income
$2,100.00
Loan Amount
$262,500.00
Down Payment
$87,500.00
Total Interest
$414,509.57
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Payment Breakdown
Principal
$262,500.00 (38.8%)
Interest
$414,509.57 (61.2%)
How This Calculator Works
DSCR = Net Operating Income / Debt Service. NOI = Monthly Rent − Expenses. Lenders typically require DSCR ≥ 1.0 (break-even) with 1.25+ preferred for better rates. No personal income verification is required.
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Frequently Asked Questions
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.