DSCRLensDSCR Loan Calculator & Lender Match
The DSCR Loan Calculator
Built for Investors, Not Lenders.
Know your real DSCR before you talk to a lender.
Most calculators skip taxes, insurance, and reserves — then you get quoted a rate that doesn't match what you modeled. This one runs the math the way lenders actually underwrite it, and routes your scenario to the right DSCR lender for your deal.
DSCR Calculator
Calculate Your DSCR Ratio
Enter your property numbers to see exactly how lenders will underwrite your deal.
Your DSCR
1.30Strong DSCR — qualifies for premium pricing tiers with most lenders
| Loan amount | $213,750 |
| Monthly P&I | $1,458 |
| Monthly taxes | $267 |
| Monthly insurance | $117 |
| Monthly HOA | $0 |
| Total PITIA | $1,841 |
| Monthly rent | $2,400 |
Estimates only. Actual eligibility depends on FICO, property type, location, and other factors. Click above to see your full match.
How It Works
How the DSCR Loan Calculator Works
Most DSCR calculators online were built by lenders. They take your purchase price, your rent, and your interest rate, and they hand back a DSCR ratio that's technically correct but practically useless — because they leave out the parts that wreck the deal at underwriting.
This calculator runs the math the way real DSCR lenders actually run it: with full PITIA (principal, interest, taxes, insurance, and association dues), reserves accounted for, and the right thresholds applied to the ratio. The output isn't just a number — it's a verdict on which lender tier your deal would land in (premium, standard, or rate-adjusted) so you walk into the broker conversation with the answer already in hand.
The full breakdown of how the formula works — and why the simplified version most calculators use is wrong — is in our guide on how to calculate the DSCR ratio.
The Product
What is a DSCR Loan?
A DSCR loan is a non-qualified mortgage that qualifies the property's rental income instead of the borrower's personal income. There are no W-2s, no tax returns, no employment verification, and no debt-to-income calculation. The lender appraises the property, calculates whether the gross monthly rent covers the full PITIA payment at the required ratio (typically 1.0x or 1.25x), and approves on that basis alone.
That's a fundamentally different product than a conventional Fannie Mae or Freddie Mac investment loan, which underwrites your personal income and caps you at 10 financed properties. DSCR has no portfolio cap, allows closing in an LLC, and is built for the borrowers conventional underwriting can't evaluate — but it carries a rate premium that reflects the absence of agency liquidity.
The full comparison — including the loan-level price adjustment math that explains why the real rate gap is smaller than most guides claim — is in our explainer on whether a DSCR loan is a conventional loan.
Who It's For
Who DSCR Loans Are For
DSCR financing was built for the investors conventional lenders won't touch — and for the active investors who've outgrown what conventional financing allows. If your tax return doesn't reflect your real financial position, or if you've already maxed the agency property cap, this is the product that asks the right question.
The four investor profiles DSCR was designed to serve:
- Self-employed investorswith aggressive write-offs whose tax-return AGI doesn't support conventional DTI.
- Foreign nationals investing in US real estate without US W-2 income or domestic credit history.
- Portfolio scalerswho've hit Fannie Mae's 10-property cap and have no agency path forward.
- BRRRR practitionersrecycling equity across renovated properties with timing pressure conventional underwriting can't accommodate.
If you fit any of those, this calculator was built for you. The complete underwriting criteria — credit score floors, reserve requirements, LTV ceilings — is in our guide on DSCR loan requirements.
FAQ
Frequently Asked Questions
What is a DSCR loan?
A DSCR loan is a non-qualified mortgage (non-QM) that qualifies the property's rental income against the proposed mortgage payment, instead of the borrower's personal income. No W-2s, no tax returns, no DTI calculation. It's built for investment properties, not primary residences. Read the full explainer in our guide on what a DSCR loan is.
How is the DSCR ratio calculated?
Divide gross monthly rent by full monthly PITIA — principal, interest, taxes, insurance, and association dues. A ratio of 1.0 means rent exactly covers the payment; 1.25 means rent covers the payment with 25% margin. Most lenders require 1.0x at minimum, and 1.25x unlocks better rate tiers. Step-by-step math in our guide on calculating the DSCR ratio.
What is a good DSCR ratio?
1.0x is the minimum most lenders will fund. 1.25x is the threshold that unlocks the better pricing tier with most DSCR lenders. 1.5x or higher gets you the best available pricing — but the property has to support that ratio without you stretching the rent assumption.
What is the minimum down payment on a DSCR loan?
20% on a strong file (720+ FICO, DSCR ≥ 1.25, 1-unit property). 25% is the more common request across most files. Lower-DSCR loans and 2-4 unit properties typically require 25-30%. Zero-down DSCR loans don't exist — anyone offering them is misrepresenting the structure. The legitimate strategies for reducing cash to close are in our guide on DSCR loans with no down payment.
Can self-employed investors or foreign nationals get a DSCR loan?
Yes — DSCR was specifically built for these segments. There's no personal income verification, so self-employed borrowers with aggressive write-offs and foreign nationals without US tax returns can qualify the same way any other investor does. Foreign nationals typically face a slightly higher down payment floor (25-35%) due to no US credit history.
Do DSCR loans have prepayment penalties?
Almost always. The most common structure is 5/4/3/2/1 — 5% of the unpaid principal balance if you pay off in year 1, declining to 1% by year 5. Most lenders offer a 0-prepay buyout for an extra 0.25-0.5% on the rate. The full structure breakdown and decision math is in our guide on DSCR prepayment penalties.