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DSCR calculator.
Enter the property price, leverage, rate, and carrying costs to see the loan amount, the interest-only payment, and the resulting debt-service coverage ratio.
Property & loan details
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Calculator FAQ
About this calculator
How is interest-only DSCR calculated?
Divide the property's monthly rent by its monthly carrying cost: the interest-only loan payment (loan amount times the annual rate, divided by 12) plus monthly property taxes, insurance, and any HOA dues. A result of 1.00 means the rent exactly covers that payment.
What DSCR do I need?
Coverage at or above 1.00 means the rent covers the payment. Many DSCR programs qualify from 1.00, and stronger coverage (1.25 and above) supports the best pricing.
Does this guarantee my terms?
No. It is an estimate. Final underwriting can change with lease quality, taxes, insurance, reserves, rate structure, and borrower profile.
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