DSCR Calculator Canada — Cash-Flow Qualifying
Calculate your Debt Coverage Ratio (DCR) and see if your property's rental income qualifies for cash flow mortgage financing in Canada.
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DSCR Loan Analysis — Canada
Property Details
Financing Terms
Loan Amount: $400,000 (20.0%)
Income & Expenses
Note: A 5% vacancy rate is standard for most lenders.
Analysis Results
Verdict: Strong for financing
$3,483/mo
Annual: $41,800
$2,442
P&I for $400,000 loan
$1,042
Annual: $12,501
80%
Equity: $100,000
Max Loan at Different Thresholds
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Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
Note: Most Canadian conventional commercial lenders require a DCR of 1.10 to 1.30. This calculator assumes a baseline expense deduction from gross rent to calculate NOI.
| Lender Type | Min DSCR | Max LTV |
|---|---|---|
| A-lender conventional | 1.20–1.30x | 75–80% |
| Alt / B-lender | 1.10–1.20x | 80% |
| CMHC MLI (5+ units) | 1.10x | 85–95% |
How This Calculator Works
Calculate your Debt Coverage Ratio in minutes. Enter your property details and get instant results.
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Enter Your Details
Provide your contact info to access the free DSCR calculator.
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Input Property Data
Enter your property's rental income, purchase price, expenses, and desired financing terms.
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Get Instant Results
See your DCR ratio, maximum loan amounts, monthly cash flow, and qualification verdict.
Conventional Cash Flow Qualification in Canada
Canadian conventional commercial lenders assess your property's ability to generate enough income to cover the mortgage — the same principle behind US DSCR loans.
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Banks & Credit Unions
Major banks and credit unions offer conventional commercial mortgages for investment properties. They typically have the most conservative underwriting but offer competitive rates for strong deals. · DCR of 1.20-1.30 typically required · Up to 75% LTV for purchases and refinances · Amortization up to 25 years · Most competitive rates for well-qualified borrowers
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Alternative Lenders
Alternative and private lenders offer more flexible conventional commercial mortgages. They typically accept lower DCR ratios and looser underwriting, making them ideal for portfolio investors. · DCR as low as 1.10 accepted by some lenders · Up to 80% LTV with some lenders · Amortization up to 30 years · Available for all property types — no unit minimums
Related Resources
next steps
- DSCR loan Canada
What is a DSCR loan in Canada — qualify on property cash flow
- US DSCR Calculator
Calculate your DSCR for US investment properties
- Multi-Family Financing
Apartment building loans in Canada
- DSCR Loans (US)
DSCR loan programs for US properties
- US DSCR for Canadians
How Canadians qualify for US DSCR loans
- Investor Resources
Free tools and guides for real estate investors
DSCR Loan Calculator FAQ
Everything you need to know about DSCR / DCR calculations for Canadian conventional commercial mortgages.
Understanding DCR/DSCR
Qualification & Property Types
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