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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.

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What is a US DSCR loan for investors?A US DSCR loan qualifies on property cash flow — monthly rent divided by PITIA — with most lenders requiring 1.00x to 1.25x DSCR and 20% to 25% down, and no personal income verification. LendCity™ brokers to 50+ lenders for 1–4 unit and 5+ unit US rentals, including LLC and foreign-national programs, closing in as few as 12 to 15 business days.

Qualification
Rent / PITIA
Min DSCR
1.00x
Down payment
20–25%
Closing
12–15 days
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Property Details

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Loan Amount: $262,500 (25.0%)

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LendCity™ Mortgages

Investment Financing Specialists

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.

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Contact Information

Direct Line

+1 (226) 783-1640

Strategy team

scott@lendcity.ca

Office Location

4769 Wyandotte St E
Windsor, ON N8Y 1H8

Online

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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.

Reference

Typical US DSCR thresholds

1.00x Rent covers PITIA

Standard approval

1.25x Preferred coverage

Better rate

0.75x (no-ratio) Special program

Higher down / rate

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.

Simple 3-Step Process

How This Calculator Works

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

  • № 01 01

    Enter Your Details

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

  • № 02 02

    Input Property Data

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

  • № 03 03

    Get Instant Results

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

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.

  • № 01

    1.25x DSCR — Best Terms

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

  • № 02

    1.0x DSCR — Breakeven

    Rent covers PITIA exactly, most lenders approve

  • № 03

    0.75x DSCR — Low Ratio

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

  • № 04

    No-Ratio — No Calculation

    DSCR not calculated, 30%+ down, highest rates

  • № 05

    Foreign National Programs

    Available for Canadians, no US credit needed

  • № 06

    STR / Airbnb Eligible

    AirDNA projections accepted by select lenders

Related A–Z

Related Resources

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FAQ Q & A

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.
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