DSCR Loan Calculator

Estimate the Debt-Service Coverage Ratio on an investment property — rent divided by the total monthly payment (PITIA). Qualifies on the property's cash flow, not your personal income. Educational estimate, never a quote.

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Illustrative rate used: 6.875% (a conservative national average, not a quote). Estimates only, using an illustrative interest rate and tax and insurance data for your selected state (county-level where county data is available). Not a quote, offer, or commitment to lend. Verify every figure with a licensed lender in your state before relying on it.

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Get the free DSCR Investor Loan Booklet — emailed to you

A plain-English guide you can keep. Optionally, a free educational consultant can answer your questions — they explain how the programs work, and never take applications or quote rates. Educational only, never sold or shared.

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Hi, I'm Murphy. I built MortEdu so home loans feel less mysterious. Four quick questions and the full booklet is yours — no sales calls.

Let's get you the full DSCR Investor Loan Booklet.

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We'll email the download link too, so you can grab it again later.

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Loan programs and limits vary by state — knowing yours makes the guide more useful.

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Your booklet is on its way by email either way. If it would help, a free educational consultant can answer questions about how the programs work.

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Frequently asked questions

What is a DSCR loan?

A DSCR (Debt-Service Coverage Ratio) loan is an investment-property mortgage that qualifies on the property's cash flow instead of your personal income. DSCR = gross monthly rent divided by the total monthly payment (PITIA).

What DSCR do lenders want?

A DSCR of 1.00 means the rent exactly covers the payment. Most lenders look for 1.00 to 1.25 or higher, along with 20 to 25 percent down. A higher ratio usually means better pricing.

Is this a quote?

No. It is an educational estimate using an illustrative investment rate — not a quote, pre-qualification, or commitment to lend. MortEdu is an educational publisher, not a lender, broker, or servicer.

How DSCR loans work

A DSCR (Debt-Service Coverage Ratio) loan is an investment-property mortgage that qualifies on the property's cash flow rather than your personal income. The ratio is simple: gross monthly rent ÷ the property's total monthly payment (PITIA — principal, interest, taxes, insurance, and any HOA). A DSCR of 1.00 means the rent exactly covers the payment; most lenders look for 1.00–1.25 or higher, with 20–25% down.

Because they skip personal debt-to-income underwriting, DSCR loans are popular with investors who own several properties or whose tax returns understate cash flow. They usually carry a higher rate than an owner-occupied loan (shown here as an illustrative premium) and are for non-owner-occupied properties only. This is an educational estimate — a licensed lender confirms rent assumptions, reserves, and actual pricing.