DSCR loan calculator

DSCR Loan vs Conventional Loan

Conventional programs generally emphasize a borrower's documented income and DTI, while DSCR programs generally place more emphasis on rental income and the property securing the loan. Provider-specific credit, reserve, collateral, and documentation rules still apply. Compare the approaches below, then run an educational estimate.

Deal check

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Free. No login. Numbers run live as you type.

Example values are loaded. Edit the assumptions or choose a property state before treating the result as your scenario.

Monthly market rent

Purchase price / value

Down payment

Interest rate

Term

yrs

Annual property taxes

Annual insurance

Monthly HOA

StateProperty type

Example result · edit the inputs before relying on this screen

Debt service coverageHigher coverage

1.25

DSCR

Estimated rent is at least 1.25× PITIA at these inputs; provider underwriting still applies.

Loan amount: $225,000
Monthly P&I: $1,573
PITIA / mo: $1,998
Rent minus PITIA / mo: $502
Simplified cap rate*: 8.3%
Max loan @ 1.25: $225,253

*Excludes vacancy, maintenance, management, utilities, and other operating expenses.

PITIA breakdown: P&I $1,573 + taxes $300 + insurance $125 + HOA $0.

About one minute. DSCRDealCheck reviews first; nothing is sent to a lender without the consent shown in the request.

Edit the example and select a state to create a share link.

Request DSCR loan options

Tell us about the investment property and your financing timeline. We’ll review the request and follow up if a potentially relevant next step is available. There is no guaranteed match, quote, approval, or response deadline.

About 1 minute · no obligation · no credit check by this form

You can submit without completing the calculator. We’ll ask for an approximate loan amount and mark the DSCR as not yet calculated.

Step 1 of 2 · Deal details

Property stateProperty typeLoan purposeApproximate loan amount

Estimated credit scoreFinancing timeline

Is the property under contract?

Is this a non-owner-occupied property used for business or investment purposes?

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Program screen

No lender matches shown from example data

Edit the example assumptions and select the property state. We will then compare only the visible DSCR, loan-size, state, and property-type criteria. Credit, reserves, appraisal, title, documentation, and provider underwriting are not checked here.

Edit the example deal ↑

This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Providers determine rates, terms, eligibility, transaction classification, and applicable requirements. Not financial, legal, or tax advice.

Rate, down payment and limits

Conventional investment-property programs may offer lower pricing but can apply DTI and financed-property limits. DSCR program pricing, down-payment requirements, and property-count rules vary by provider; many place more weight on each property's rent coverage than on personal DTI.

▸Conventional: lower rate, DTI-gated, property-count capped, full income docs.

▸DSCR: pricing and documentation vary; many programs do not use personal DTI as the primary test.

▸DSCR programs are generally intended for investment-property financing; legal classification depends on the transaction facts.

Frequently asked

Is a DSCR loan harder to get than a conventional loan?+

It is a different underwriting approach. Many DSCR programs emphasize property cash flow rather than personal DTI, but credit, reserves, leverage, collateral, and documentation requirements still apply.

Are DSCR rates higher than conventional?+

They can be higher, but pricing changes with market conditions and provider-specific credit, leverage, DSCR, property, and prepayment terms. Compare an actual Loan Estimate or provider disclosure rather than relying on a general range.

Can I refinance a conventional loan into a DSCR loan?+

Some providers offer rate-and-term or cash-out DSCR refinances. Eligibility, proceeds, seasoning, documentation, and tax consequences depend on the provider and the transaction.