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























1.00


75%

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 

We fund smart deals. Yours could be next.

DSCR FAQ’s

DSCR (Debt-Service Coverage Ratio) measures how well a property's income covers its debt payments. A DSCR above 1.0 indicates the property generates enough cash flow to pay its mortgage without relying on personal income.
Most lenders prefer a DSCR of 1.15 or higher to approve rental loans. This margin gives confidence that the property has breathing room to cover expenses, especially during vacancies or seasonal dips.
Yes—DSCR loans are designed to focus entirely on property income, not W2s or tax returns. As long as the rent supports the mortgage (and your DSCR meets the threshold), your personal income isn’t factored in.
Use our free calculator above—just plug in your monthly PITIA and your rental income. The formula is: DSCR = Monthly Rent ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, and HOA)
You may need a higher down payment, lower loan amount, or stronger rental income to qualify. A DSCR under 1.0 means the property doesn’t cover its loan payments—and lenders see this as higher risk.
They’re fast, flexible, and scalable—ideal for expanding a portfolio without jumping through full-doc underwriting hoops. Once your property cash flows, you're good to go.