DSCR Qualification Check

Find out if your property actually qualifies, before a lender tells you no.

Enter your numbers below. This tool runs the same debt-service coverage math lenders use, so you know where you stand before you ever submit an application.

How the ratio works

Monthly rent divided by monthly PITIA equals your DSCR.

Below 1.00Rent misses the payment
1.00 and aboveMost lenders qualify
1.20 and aboveRoom to spare
Licensed in
AZ, CA, FL, HI, OR, PA, TN, TX
NMLS #2438102
CA DRE #02103705
Equal Housing Opportunity

Property & Loan Details

$
$
$
$
$
20% down 7.50%You
25–30% down 7.00%You
30–50% down 6.75%You

Rates shown are a static example range.

Your Result

Qualifies for a DSCR loan
1.18DSCR ratio

Your monthly rent covers your estimated mortgage payment with room to spare. Most DSCR lenders qualify properties at 1.00 or above. The rate and terms you actually get still depend on credit, reserves, and property type.

Loan Amount
$240,000
Rate Used
7.00%
Est. Monthly P&I
$1,597
Est. Monthly PITIA
$2,047
Estimate only, based on 30-yr amortization and the rate range for your down payment tier. Not a rate lock or quote.

I'm a senior loan officer at Saxton Mortgage and an investor myself. This calculator runs the same DSCR math lenders use to qualify investment properties. That's how I help clients buy rentals without providing every document under the sun.

Get Your Actual Rate & Terms

The rate shown above is a general market range for your down payment tier, not a quote. Your real rate depends on factors this calculator can't see:

  1. 01Your credit profile and how it shifts your pricing tier.
  2. 02Structuring options: a rate buydown or interest-only period can change your DSCR more than people expect.
  3. 03Which lenders fit your deal: reserve requirements and lender flexibility vary.
This calculator is provided for general educational and informational purposes only and does not constitute a loan offer, pre-qualification, pre-approval, or commitment to lend. Rates, terms, and qualification figures shown are estimates based on general market data and hypothetical assumptions; actual rates, terms, and eligibility are determined by underwriting and may vary based on credit profile, property type, loan amount, reserves, and other factors. This is not a guarantee of financing. Darren Tsai, DRE #02103705 | NMLS #2438102. Saxton Mortgage, NMLS #2525913. Equal Housing Opportunity.
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