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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How This Calculator Works
Calculate your DSCR in minutes. Enter your property details and get instant results.
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Enter your rental income, purchase price, expenses, and desired loan terms.
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See your DSCR ratio, maximum loan amounts, monthly cash flow, and qualification verdict.
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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
Complete guide to DSCR loans
How Canadian investors qualify for US DSCR
Calculator for Canadian commercial mortgages
Airbnb / VRBO DSCR loan programs
Close in your LLC for liability protection
Free tools and guides for investors
What Our Clients Say
DSCR Loan Calculator FAQ
Everything you need to know about DSCR loans and qualification for investment properties. Can't find your answer? Book a call with our team.
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.
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