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DSCR Loan Calculator

A DSCR loan qualifies on the property's cash flow, not your personal income. Enter the rent and the numbers on your deal to see the debt-service coverage ratio (DSCR) and whether it pencils.

By Mike Certo, NMLS #260555,

Estimator only. No rates are quoted here; you enter your own scenario. Confirm live numbers with us.

Deal inputs

Income
Market rent, or the in-place lease. For a short-term rental, use a conservative monthly average.
Financing
DSCR rates move daily and depend on the ratio, credit, and reserves. Enter an estimate; Mike gives you a live quote.
Carrying costs
Use the county assessor's figure for the property, or your best estimate.

Your DSCR

— rent ÷ PITIA
Enter your interest rate to calculate.
Loan amount$0
Principal & interest$0
Property tax$0
Insurance$0
HOA$0
Total PITIA (monthly)$0
Gross monthly rent$0
What this leaves out: real returns also depend on vacancy, repairs and maintenance, property management (often 8–10% of rent), and capital expenses. A deal that clears 1.00 on paper can still be tight in a bad month, so keep reserves. DSCR is the lender's qualifying test, not your whole return picture.

Talk to an investor-loan specialist about your deal

Want Mike Certo (Cornerstone First Mortgage, NMLS #260555) to run this DSCR on a live scenario and quote it? Our team calls you back within 5 minutes during business hours. No commitment, no pressure.

Estimates only. Not a commitment to lend. Actual DSCR loan terms depend on full underwriting including the appraisal, market rent (1007/1025), credit, reserves, and program guidelines. No interest rate is quoted on this page; figures use the rate you enter. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.