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DSCR Loan Calculator

Calculate your DSCR ratio and see if your rental property qualifies for a DSCR loan — no W-2s, no tax returns, just the property's income.

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1

Enter Your Info

Quick sign-up to access the free calculator

2

Input Property Details

Enter rent, price, expenses, and loan terms

3

Get Instant Results

See your DSCR, max loan, and cash flow

Simple 3-Step Process

How This Calculator Works

Calculate your DSCR in minutes. Enter your property details and get instant results.

1

Enter Your Details

Provide your contact info to access the free DSCR loan calculator.

2

Input Property Data

Enter your rental income, purchase price, expenses, and desired loan terms.

3

Get Instant Results

See your DSCR ratio, maximum loan amounts, monthly cash flow, and qualification verdict.

Property Details

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Loan Amount: $262,500 (25.0%)

Income & Expenses

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Loan Terms

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LendCity Mortgages

Investment Financing Specialists

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This DSCR USA Loan Analysis analysis is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.

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Contact Information

Direct Line

+1 (519) 960-0370

Strategy team

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Office Location

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Windsor, ON N8Y 1H8

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LendCity Mortgages is an independent mortgage brokerage. Results generated by the DSCR USA Loan Analysis are estimates and do not constitute a commitment to lend.

Note: Most US DSCR lenders require a ratio of 1.00-1.25. Some special programs accept ratios as low as 0.75 (no-ratio/low-ratio) but often require higher down payments or have higher rates.

Understanding DSCR

DSCR Loan Qualification Explained

DSCR loans qualify based on the property's rental income — not your personal income. No W-2s, no tax returns, just the deal.

DSCR Requirements by Lender Tier

1.25x DSCR — Best Terms

Lowest rates, 20-25% down, most lender options

1.0x DSCR — Breakeven

Rent covers PITIA exactly, most lenders approve

0.75x DSCR — Low Ratio

Select lenders, 30-35% down required, higher rates

No-Ratio — No Calculation

DSCR not calculated, 30%+ down, highest rates

Foreign National Programs

Available for Canadians, no US credit needed

STR / Airbnb Eligible

AirDNA projections accepted by select lenders

Related Resources

DSCR Loan Financing

Complete guide to DSCR loans

DSCR Loans for Canadians

How Canadian investors qualify for US DSCR

Canadian DSCR Calculator

Calculator for Canadian commercial mortgages

Short-Term Rental Financing

Airbnb / VRBO DSCR loan programs

LLC Financing

Close in your LLC for liability protection

Investor Resources

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FAQ

DSCR Loan Calculator FAQ

Everything you need to know about DSCR loans and qualification for investment properties.

DSCR Basics

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income rather than your personal income. No W-2s, no tax returns, no employment verification. The lender looks at whether the property's rent covers the mortgage payment (PITIA). If the DSCR is 1.0 or higher, the property pays for itself. Most lenders require a DSCR of 1.0-1.25 for approval.
DSCR = Monthly Rental Income / Monthly PITIA. PITIA stands for Principal, Interest, Taxes, Insurance, and Association (HOA) fees. For example, if your property rents for $3,000/month and your total PITIA is $2,400/month, your DSCR is 1.25. For short-term rentals, lenders may use AirDNA projections or 12-month average income.
It depends on the lender and program: 1.25x DSCR gets the best rates and terms. 1.0x DSCR qualifies with most lenders (breakeven — rent covers payment). 0.75x DSCR is accepted by some lenders with higher down payments (30-35%). No-ratio DSCR programs exist where the ratio isn't calculated at all, but require 30%+ down and have higher rates.

Qualification & Programs

Yes. Many DSCR lenders have foreign national programs specifically for Canadian investors. You don't need US credit history, a Social Security Number, or US income. You can close in a US LLC for liability protection. The process is streamlined — we help Canadian investors navigate ITIN requirements, entity setup, and cross-border closing.
Current DSCR loan terms: 20-25% down payment (30%+ for lower DSCR), 30-year fixed or adjustable rates, interest rates typically 1-2% above conventional, no prepayment penalty options available, close in LLC or personal name, minimum loan amounts of $75,000-$150,000 depending on lender. Rates and terms change frequently — we shop across 50+ DSCR lenders to find the best fit.
Yes. Many DSCR lenders accept short-term rental income. They typically use: AirDNA or similar platform projections for projected income, 12-month trailing income from Airbnb/VRBO statements for existing rentals, or appraiser's market rent estimate. STR-friendly DSCR programs are available for properties in vacation markets, though some lenders restrict STR eligibility.

Still have questions about DSCR loans?

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Quick Answer

Beginner 3 min read

Calculate your DSCR ratio by dividing monthly rental income by monthly mortgage payment (principal + interest + taxes + insurance). A ratio of 1.00+ means the property covers its costs. Most lenders prefer 1.10-1.25 for better rates. Use our calculator to instantly see if your property qualifies.

Key Points

  • DSCR = Monthly Rental Income ÷ Monthly Housing Expenses
  • 1.00+ ratio means property breaks even, 1.25+ gets best rates
  • Include PITI (principal, interest, taxes, insurance) in expenses
  • Most lenders accept 75-100% of market rent for qualification

Important Numbers

1.00
Minimum DSCR
1.25
Preferred DSCR
75-100%
Market Rent Usage
< 1 minute
Calculation Time