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.
LendCity™ Mortgages
DSCR Loan Analysis — Canada
Skip the typing. Drop in your deal documents.
Have a rent roll, T12, or listing? Drop it here and we’ll fill in the calculator for you.
Property Details
Loan Amount: $400,000 (20.0%)
LendCity™ Mortgages
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This DSCR Loan Analysis — Canada is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
team@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.
Typical Canadian DSCR thresholds
75–80%
80%
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.
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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.
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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