US DSCR Loan Calculator
Calculate your DSCR ratio and see if your US rental qualifies — no W-2s, no tax returns, just the property's income. Built for US deals and Canadian foreign nationals.
LendCity™ Mortgages
DSCR Loan Analysis — United States
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: $262,500 (25.0%)
LendCity™ Mortgages
Ready to take the next step?
This DSCR USA Loan Analysis 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 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.
Typical US DSCR thresholds
Standard approval
Better rate
Higher down / rate
How This Calculator Works
Calculate your DSCR 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 loan calculator.
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Input Property Data
Enter your rental income, purchase price, expenses, and desired loan terms.
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Get Instant Results
See your DSCR ratio, maximum loan amounts, monthly cash flow, and qualification verdict.
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.
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1.25x DSCR — Best Terms
Lowest rates, 20-25% down, most lender options
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1.0x DSCR — Breakeven
Rent covers PITIA exactly, most lenders approve
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0.75x DSCR — Low Ratio
Select lenders, 30-35% down required, higher rates
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No-Ratio — No Calculation
DSCR not calculated, 30%+ down, highest rates
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Foreign National Programs
Available for Canadians, no US credit needed
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STR / Airbnb Eligible
AirDNA projections accepted by select lenders
Related Resources
next steps
- 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
Free tools and guides for investors
DSCR Loan Calculator FAQ
Everything you need to know about DSCR loans and qualification for investment properties.
DSCR Basics
Qualification & Programs
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