Tim PoppDSCR Calculator
Enter your property’s numbers to see if it qualifies for a DSCR loan. Most lenders require a minimum DSCR of 1.0 for standard programs — above 1.20 unlocks the best pricing. No-ratio and sub-1.0 programs are also available.
Monthly Payment (PITIA)
This calculator provides estimates for educational purposes only. Actual DSCR, rates, and qualification will vary based on lender guidelines, property specifics, and market conditions. Not a commitment to lend.
How DSCR Is Calculated
DSCR = Monthly Rental Income ÷ PITIA
Lenders use the gross monthly rent from the appraisal (Form 1007) divided by your total monthly payment — Principal, Interest, Taxes, Insurance, and HOA. A DSCR of 1.0 means the property exactly covers its costs. Above 1.0 means positive cash flow. Most lenders require 1.0 minimum, with best pricing at 1.20+.
Read the full DSCR calculation guide →
Ready to run real numbers on your deal?
Get pre-qualified for a DSCR loan. No tax returns. No W-2s. Close in your LLC.
Tim Popp | NMLS #2039627 | West Capital Lending