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Instant DSCR Loan Calculator | Real Estate Investor Financing
DSCRLoans No Tax Returns Required

Calculate Your DSCR Ratio in Seconds

Check if your investment property qualifies for competitive 30-year fixed DSCR financing without tax returns or pay stubs.

Property & Debt Numbers

Estimated DSCR Score
1.32
Strong - Qualifies for Tier 1 Rates

Total Monthly Debt (PITIA): $1,800

Ready to pre-qualify your deal?

*Estimates are for illustrative purposes only and do not constitute a formal loan commitment or pre-approval guarantee. This website is for informational purposes only. DSCRCalculate.com is a lender referral platform not a licensed mortgage lender or mortgage broker. We do not make loans or credit decisions. We may receive compensation from participating lenders. All loan terms are provided by licensed lenders. Closing times vary and are not guaranteed. Loans are not available for consumer purposes. Non-owner occupied business investment purpose only. Not available in all States. Void where prohibited. Calculator output is an estimate, does not constitute a loan offer, pre-qualification, or commitment to lend. Final rates and terms depend on actual lender underwriting (LTV, FICO, property appraisal, debt coverage ratio). Get matched with a lender to discuss options. By clicking [Submit], you agree to be contacted by JB Richards Co. at the phone number and email provided regarding your real estate financing inquiry. We do not sell your contact information for marketing purposes only to match you with the appropriate DSCR lender. We do not use auto-dialers or automated SMS software.

No Tax Returns
Qualification based strictly on rental cash flow.
Up to 80% LTV
Available for purchases & cash-out refinances.
Fast Closing
Possible to close in as little as 14 to 21 business days.

Understanding DSCR Loans: Meaning, Formula & Rates

A DSCR loan (Debt Service Coverage Ratio mortgage) is a Non-QM financial product designed for real estate investors. Unlike traditional home loans that require W-2s, pay stubs, and tax returns, qualifying for a DSCR loan relies entirely on the subject property's cash flow potential relative to its monthly mortgage obligation.

Standard DSCR Formula
DSCR = Gross Monthly Rental Income ÷ Monthly Debt (PITIA)

Where PITIA equals Principal, Interest, Property Taxes, Hazard Insurance, and HOA dues.

Frequently Asked Questions About DSCR Financing

What is a good DSCR ratio for a rental property?

Most DSCR lenders prefer a ratio of 1.25 or higher, meaning the rental property generates 25% more revenue than required to service monthly mortgage debt. Ratios between 1.00 and 1.24 are accepted by many lenders with standard down payments, while ratios below 1.00 may require specialized no-ratio programs and higher equity.

How do DSCR loan rates compare to conventional mortgage rates?

Because DSCR financing requires no personal income verification, lenders price in a minor risk premium. Generally, DSCR loan rates run 0.50% to 1.75% higher than conventional investment property loans, depending on credit score, LTV, and coverage ratio.

What are the standard DSCR loan requirements?

Parameter Standard Requirement
Minimum FICO Score 620–660+ (680+ for optimal interest rates)
Minimum Down Payment 15% – 25% (20% is industry standard)
Cash Reserves 3 to 6 months of monthly PITIA payments
Entity Ownership Allowed under LLCs, S-Corps, or Partnerships

Can I use a DSCR loan for short-term rentals (Airbnb / VRBO)?

Yes. Many DSCR lenders evaluate short-term rental properties using historical platform revenue reports (Airbnb/VRBO), AirDNA third-party market data, or traditional Form 1007 appraisals.