Want to know if your rental qualifies for a 30-year DSCR loan? Use our free calculator to check eligibility instantly. No tax returns or paystubs required—just enter your property numbers and get real-time DSCR and LTV results.
DSCR & LTV Calculator
This tool assumes a 30-year amortized loan for DSCR calculation. DSCR above 1.1 and LTV below 80% are typically required.
What Is a DSCR and Why Does It Matter?
DSCR stands for Debt Service Coverage Ratio. It measures your property’s income versus its loan payments. A higher DSCR means your rental is cash-flow positive and eligible for stronger loan terms.
Formula: DSCR = Net Operating Income ÷ Loan Payments
Typical minimum to qualify: DSCR 1.1+ and LTV under 80%
Ready to Lock in a 30-Year DSCR Loan?
If your calculator results show a strong DSCR and LTV, we can refinance your hard money loan or fund your next rental with fast closings, no income docs, and competitive rates.
Ready to Fund Your Rental Property with a DSCR Loan?
You’ve crunched the numbers—now let’s turn potential into performance. If your property meets our DSCR and LTV benchmarks, you’re one step away from locking in 30-year financing with:
No income verification
Fast closings (14–21 days)
Competitive fixed-rate terms
Apply Now get custom loan terms in under 24 hours or Explore Refinance Options Here
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Frequently Asked Questions
What is DSCR?
Debt Service Coverage Ratio (DSCR) measures a property’s ability to cover its debt obligations using rental income.
How do I calculate DSCR?
Divide the property’s net operating income (NOI) by its total debt service. A DSCR of 1.0 means income equals debt payments.
What DSCR do lenders require?
Most lenders require a DSCR of at least 1.0, though stronger ratios improve loan approval chances.
Can I use the DSCR calculator for Airbnb properties?
Yes. Short-term rental income can be used in the calculator if documented properly.
Does the calculator show loan eligibility?
Yes. By entering income and debt details, the calculator instantly shows whether your property meets DSCR loan requirements.
Is personal income required for DSCR loans?
No. DSCR loans qualify based on property cash flow, not W‑2s or tax returns.
Can I refinance using DSCR?
Yes. DSCR loans can be used for cash‑out refinances if the property meets coverage requirements.
Is the DSCR calculator free to use?
Yes. The calculator is free and available online for all investors.