Analyze any rental deal
in under 60 seconds.
See your DSCR ratio, monthly cash flow, cap rate, and deal grade instantly. Qualify on the property's rent — not your personal income or tax returns.
What is a DSCR loan — and how does this calculator work?
A DSCR loan (Debt Service Coverage Ratio loan) qualifies you based on the rental income of the property rather than your personal income, W-2s, or tax returns. If the property's rent covers the mortgage payment, you can qualify — making DSCR loans the go-to financing for self-employed investors, LLC buyers, and portfolio builders.
This calculator divides your effective gross rent by your total monthly debt obligation (P&I + taxes + insurance) to give you a DSCR ratio. A 1.0 means break-even. Anything above qualifies. We fund down to 1.00.
Deal Grade Scale
Who DSCR loans are built for
- Self-employed investors whose tax returns show lower net income than actual cash flow
- Investors scaling past the conventional 10-property Fannie/Freddie limit
- Buyers closing in an LLC, trust, or other entity
- Foreign nationals with no US income documentation
- Anyone who wants to qualify on the deal, not their W-2
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