How this calculator works
DSCR = monthly rent ÷ monthly PITIA. Most lenders want 1.00 or higher; 1.20–1.25 usually prices better. Taxes, insurance and HOA dues are part of the payment, so a cheap rate can still fail on a high-tax property.
Loans this applies to
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
Short-Term Rental (Airbnb) DSCR Loans
A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
DSCR Cash-Out Refinance
A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
FAQ
Is the DSCR Calculator free?
Yes. It is free, needs no sign-up and does not check your credit.
How accurate is the DSCR Calculator?
It uses the same formulas lenders use, but results are estimates. Your actual terms come from your Loan Estimate or term sheet.
Estimates only, for educational use. Not a loan offer or commitment to lend.