Minimum DSCR varies by lender and product; 1.0–1.25x is common.

Do I need tax returns?

DSCR programs typically emphasize property income; personal docs may be limited.

DSCR Calculator

Enter your investment property address to auto-fill estimated values, then adjust your loan details to see your Debt Service Coverage Ratio. Many lenders look for DSCR ≥ 1.20x.

Property address lookup

Enter your investment property address to auto-fill estimated value and loan balance.

Street address

City

State

ZIP

DSCR calculator

Enter your property and loan details. DSCR compares net operating income to debt service.

Property value ($)

Loan amount ($)

Interest rate (%)

Gross monthly rent ($)

Annual property taxes ($)

Annual insurance ($)

Vacancy rate (%)

Maintenance rate (%)

Management fee (%)

Enter property value, loan amount, rate, and rent to calculate your DSCR.

Get your DSCR options

Submit your information and a DSCR loan specialist will contact you with personalized options.

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