Calculate Your Debt Service Coverage Ratio


Ready to take your real estate game to the next level? Whether you’re a seasoned pro or just dipping your toes in the investment world, understanding your Debt Service Coverage Ratio (DSCR) is a game-changer and our DSCR calculator makes it super easy!

DSCR Calculator



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What’s a DSCR Loan? Let’s Break It Down.

A DSCR loan is your ticket to financing investment properties without worrying about your personal income. That’s right! Lenders only care about one thing: can your property cover its own debt? They use the DSCR to figure that out. The higher your DSCR, the more confident lenders are in your investment.

Here’s the magic formula
1
Your Net Operating Income (NOI)—that’s the money your property makes
divided by ->
2
Your monthly debt payments—like mortgage, interest, etc.
equals ->
3
Debt Service Coverage Ratio. If your ratio is 1.25 or higher, you’re in the sweet spot to qualify for a DSCR loan. Easy!

Why DSCR Loans Are a Total Game-Changer

Forget about those tricky personal income requirements—DSCR loans only care about your property’s performance. That means less hassle for you and more opportunity to scale your investments. Think about it

  • No W2s
  • No tax returns
  • Just you, your property, and its earning power

What’s Considered a Good DSCR?

You’re aiming for a DSCR of 1.25 or higher. That’s like saying your property makes 25% more than what’s needed to cover the debt. The higher, the better. If your DSCR is above 1.5? You’re in prime position. Below 1? You’ve got some work to do.

What Are DSCR Loans Used For?

Here’s where it gets fun! You can use DSCR loans for ->

The best part? You’re building a portfolio with loans designed to support your growth. And with our DSCR calculator, you’ll know right away if you’re ready to score the financing you need.
  1. Rental properties—cash flow, baby!
  2. Fix and flips—time to transform and profit.
  3. Short-term rentals—Airbnb goldmine, anyone?

Finished Your Rehab? Refinance with a DSCR Loan and Pull Out Equity

Just wrapped up a rehab on your investment property? Now’s the perfect time to refinance with a DSCR loan and pull out equity to fuel your next deal. With a DSCR loan, you can leverage your property’s cash flow, refinance, and keep building your portfolio. It’s like the BRRR method—buy, rehab, rent, refinance, repeat—but with even more flexibility. Ready to unlock your equity and keep growing? Learn How →


Need Insurance for Your Investment Properies?

Make sure you’re fully covered. Learn more about rental property insurance options tailored for real estate investors.

Learn More

Unlock Your Next Investment: Get DSCR Loan Tips u0026 Updates Straight to Your Inbox!

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Let’s Make Moves!

At REInvestor Guide, we know that success is all about having the right tools. Our DSCR calculator is here to help you win in real estate. Ready to see your numbers? Give it a try, and let’s get you closer to locking down that next investment deal. Ready to move forward? Let’s get you pre-qualified and take the next step toward securing your DSCR loan today!