Calculator
DSCR calculator
See how well a property’s rent covers its full monthly payment. Bring your own interest rate — from a quote you have, or a few you want to test. We never pre-fill one.
Your result
Enter monthly rent, a loan amount and a rate to see your DSCR. Taxes, insurance and HOA make the result realistic.
What the calculator does
It computes principal and interest from your loan amount, rate and amortization (or interest-only), adds monthly taxes, insurance and HOA, and divides gross monthly rent by that total.
What it cannot know
Which rent figure a wholesale lender will accept, how it treats short-term rental income, and whether it qualifies interest-only loans on the amortizing payment. Those differences are why we shop lenders.
Go deeper
Read the DSCR ratio explainer or our guide to raising your DSCR before you apply.
Ready for a number that is actually yours?
Published rate tables cannot account for your LTV, DSCR, credit, prepayment choice and property. Send us the scenario and we will shop it with wholesale lenders and return a custom quote.