Enter your rental income and proposed mortgage payment. See your DSCR ratio instantly and learn if your property qualifies for a DSCR loan.
Get a Rate Quote →DSCR Calculator — Calculate the Debt Service Coverage Ratio for an investment property. DSCR = Monthly Gross Rent ÷ Monthly PITIA. Commercial multifamily lenders use a different version of this ratio — net operating income divided by annual debt service — which subtracts vacancy, management and reserves. Residential DSCR lending on one-to-four unit property uses gross rent, which is what this calculator computes. Most DSCR loan programs require minimum 1.0x; better pricing kicks in at 1.20x+.
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Enter your rental property's monthly income and total monthly expenses (including the proposed mortgage payment) to calculate your Debt Service Coverage Ratio.
DSCR (Debt Service Coverage Ratio) measures how well a property's rental income covers its mortgage and expenses. It's the primary qualification metric for DSCR investor loans.
DSCR = Monthly Gross Rent ÷ Monthly PITIA
Where PITIA = Principal + Interest + Taxes + Insurance + Association fees (HOA).
| DSCR Ratio | Interpretation |
|---|---|
| 1.25x + | Excellent. Property cash flows 25%+ above debt service. Best pricing. |
| 1.10x - 1.25x | Good. Standard DSCR lending range. Most lenders want this minimum. |
| 1.00x - 1.10x | Marginal. Some lenders will fund; pricing premium applied. |
| 0.75x - 1.00x | Below standard. Consider No Ratio DSCR programs. |
| Below 0.75x | Significant negative cash flow. Requires No Ratio + strong borrower profile. |
We work with multiple DSCR lenders and find the best program for your DSCR ratio.
Get DSCR Loan Quote →No credit pull. No commitment. Speak with a licensed financing company that knows the investor market.
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LendingStreet compares DSCR rental-loan programs across 30+ capital sources — including options with no W-2 or tax returns, up to 80% LTV, and a 1.0x minimum DSCR. One request returns competing quotes, usually within 48 hours.
No credit pull. No obligation. Investment properties only.
Yes. DSCR loans qualify based on the rental property's projected income — not your personal income. No W-2, no tax returns required.
DSCR rates are market-competitive for qualified borrowers with strong credit, DSCR ratio above 1.20x, and 25-30% down. Contact us for a current rate quote.
Most DSCR programs start at a 620 credit score. Some programs allow 640 with compensating factors like higher down payment or stronger DSCR ratio.
Yes. LendingStreet DSCR loans allow borrowing in an LLC or other entity. This is a major advantage over conventional mortgages, which typically require personal name borrowing.
DSCR loans typically close in 14-21 days from complete application. Bridge alternatives can close in as little as 5-10 days when speed matters.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.