Get Brick Capital
REFINANCES
🏠 DSCR Refi · 4-Unit in PA | ARV $534,000 | Cash-Out $400,500 | 55 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in FL | ARV $313,490 | Cash-Out $235,118 | 41 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · Duplex in PA | ARV $450,000 | Cash-Out $337,500 | 187 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in WA | ARV $285,000 | Cash-Out $213,750 | 134 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 4-Unit in PA | ARV $433,000 | Cash-Out $324,750 | 67 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · Duplex in CO | ARV $278,000 | Cash-Out $208,500 | 38 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · Duplex in PA | ARV $415,000 | Cash-Out $311,250 | 123 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · SFR in PA | ARV $376,000 | Cash-Out $282,000 | 209 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · 2-Unit in PA | ARV $338,000 | Cash-Out $253,500 | 39 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in FL | ARV $313,490 | Cash-Out $235,118 | 78 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · Duplex in PA | ARV $335,000 | Cash-Out $251,250 | 91 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in WA | ARV $285,000 | Cash-Out $213,750 | 55 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 2-Unit in PA | ARV $332,000 | Cash-Out $249,000 | 93 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · Duplex in CO | ARV $278,000 | Cash-Out $208,500 | 101 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 4-Unit in PA | ARV $320,000 | Cash-Out $240,000 | 109 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in PA | ARV $415,000 | Cash-Out $311,250 | 91 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · Duplex in PA | ARV $307,000 | Cash-Out $230,250 | 137 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · SFR in FL | ARV $313,490 | Cash-Out $235,118 | 55 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · 2-Unit in PA | ARV $395,000 | Cash-Out $296,250 | 181 Days Seasoning | Closed in 31 Days·····🏠 DSCR Refi · Duplex in PA | ARV $300,000 | Cash-Out $225,000 | 205 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 4-Unit in PA | ARV $534,000 | Cash-Out $400,500 | 55 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in FL | ARV $313,490 | Cash-Out $235,118 | 41 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · Duplex in PA | ARV $450,000 | Cash-Out $337,500 | 187 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in WA | ARV $285,000 | Cash-Out $213,750 | 134 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 4-Unit in PA | ARV $433,000 | Cash-Out $324,750 | 67 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · Duplex in CO | ARV $278,000 | Cash-Out $208,500 | 38 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · Duplex in PA | ARV $415,000 | Cash-Out $311,250 | 123 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · SFR in PA | ARV $376,000 | Cash-Out $282,000 | 209 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · 2-Unit in PA | ARV $338,000 | Cash-Out $253,500 | 39 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in FL | ARV $313,490 | Cash-Out $235,118 | 78 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · Duplex in PA | ARV $335,000 | Cash-Out $251,250 | 91 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in WA | ARV $285,000 | Cash-Out $213,750 | 55 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 2-Unit in PA | ARV $332,000 | Cash-Out $249,000 | 93 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · Duplex in CO | ARV $278,000 | Cash-Out $208,500 | 101 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · 4-Unit in PA | ARV $320,000 | Cash-Out $240,000 | 109 Days Seasoning | Closed in 28 Days·····🏠 DSCR Refi · SFR in PA | ARV $415,000 | Cash-Out $311,250 | 91 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · Duplex in PA | ARV $307,000 | Cash-Out $230,250 | 137 Days Seasoning | Closed in 30 Days·····🏠 DSCR Refi · SFR in FL | ARV $313,490 | Cash-Out $235,118 | 55 Days Seasoning | Closed in 29 Days·····🏠 DSCR Refi · 2-Unit in PA | ARV $395,000 | Cash-Out $296,250 | 181 Days Seasoning | Closed in 31 Days·····🏠 DSCR Refi · Duplex in PA | ARV $300,000 | Cash-Out $225,000 | 205 Days Seasoning | Closed in 28 Days·····
PURCHASES
🏠 DSCR Purchase · 4-Unit in NJ | Purchase $1,325,000 | Loan $1,060,000 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $287,500 | Loan $230,000 | Closed in 27 Days·····🏠 DSCR Purchase · SFR in AZ | Purchase $550,000 | Loan $412,500 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $104,500 | Loan $83,600 | Closed in 30 Days·····🏠 DSCR Purchase · Duplex in NJ | Purchase $490,000 | Loan $392,000 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in NC | Purchase $144,000 | Loan $115,200 | Closed in 29 Days·····🏠 DSCR Purchase · 2-Unit in TX | Purchase $332,000 | Loan $265,600 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in AL | Purchase $97,500 | Loan $73,125 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $280,000 | Loan $224,000 | Closed in 29 Days·····🏠 DSCR Purchase · Duplex in MI | Purchase $85,000 | Loan $68,000 | Closed in 29 Days·····🏠 DSCR Purchase · Duplex in NY | Purchase $215,000 | Loan $172,000 | Closed in 29 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $170,000 | Loan $136,000 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in NC | Purchase $102,400 | Loan $81,920 | Closed in 29 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $166,000 | Loan $132,800 | Closed in 28 Days·····🏠 DSCR Purchase · 2-Unit in MI | Purchase $130,000 | Loan $104,000 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $145,000 | Loan $116,000 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in LA | Purchase $81,400 | Loan $65,120 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $79,000 | Loan $63,200 | Closed in 31 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $78,400 | Loan $62,720 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $60,000 | Loan $48,000 | Closed in 30 Days·····🏠 DSCR Purchase · 4-Unit in NJ | Purchase $1,325,000 | Loan $1,060,000 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $287,500 | Loan $230,000 | Closed in 27 Days·····🏠 DSCR Purchase · SFR in AZ | Purchase $550,000 | Loan $412,500 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $104,500 | Loan $83,600 | Closed in 30 Days·····🏠 DSCR Purchase · Duplex in NJ | Purchase $490,000 | Loan $392,000 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in NC | Purchase $144,000 | Loan $115,200 | Closed in 29 Days·····🏠 DSCR Purchase · 2-Unit in TX | Purchase $332,000 | Loan $265,600 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in AL | Purchase $97,500 | Loan $73,125 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $280,000 | Loan $224,000 | Closed in 29 Days·····🏠 DSCR Purchase · Duplex in MI | Purchase $85,000 | Loan $68,000 | Closed in 29 Days·····🏠 DSCR Purchase · Duplex in NY | Purchase $215,000 | Loan $172,000 | Closed in 29 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $170,000 | Loan $136,000 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in NC | Purchase $102,400 | Loan $81,920 | Closed in 29 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $166,000 | Loan $132,800 | Closed in 28 Days·····🏠 DSCR Purchase · 2-Unit in MI | Purchase $130,000 | Loan $104,000 | Closed in 30 Days·····🏠 DSCR Purchase · SFR in TX | Purchase $145,000 | Loan $116,000 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in LA | Purchase $81,400 | Loan $65,120 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $79,000 | Loan $63,200 | Closed in 31 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $78,400 | Loan $62,720 | Closed in 28 Days·····🏠 DSCR Purchase · SFR in OH | Purchase $60,000 | Loan $48,000 | Closed in 30 Days·····

Free Sizing Tool

DSCR Loan Calculator

Estimate DSCR and loan sizing using your own rent, expenses, rate assumption, and target LTV. This tool does not replace a program-specific quote.

0.75

Lowest Available DSCR Option

85%

Qualifying LTR Purchase Max

80%

Select-State Cash-Out Max

Loan Inputs

Enter the leverage you want to model. The actual program maximum depends on transaction type, FICO, state, DSCR, and capital partner.

Use the rate you want to model. This field is not a current-rate quote.

Interest-only is a payment-sizing assumption here. Availability is program-specific.

Get a Quote / See Your Options

Estimated Results

Loan at Entered LTV

$225,000

Estimated Monthly P&I

$1,497

Estimated Monthly PITIA

$1,797

DSCR at Entered LTV

1.39x

Meets this calculator's 1.00x sizing target.

Max Loan by Calculator Target

$330,677

Uses a 1.00x sizing target for this estimate.

Estimated Max at Entered LTV + Target

$225,000

Important

This calculator does not determine final eligibility. FICO, transaction type, state, seasoning, lease status, property type, reserves, loan amount, and the selected capital partner can change the permitted LTV and pricing.

DSCR Calculator Guide

What the DSCR Calculator Tells You

DSCR equals qualifying monthly rent divided by monthly PITIA. PITIA includes principal, interest, property taxes, insurance, and HOA. The calculator estimates whether the property income supports the proposed debt. It is a sizing tool, not a final credit or program approval.

DSCR Formula

DSCR = Monthly Rent ÷ Monthly PITIA

Example: $2,500 rent ÷ $2,000 PITIA = 1.25 DSCR.

What the Calculator Does Not Decide

Final eligibility also depends on the selected capital partner, FICO, LTV, seasoning, property type, lease status, reserves, loan amount, state, and current pricing.

Current Program Guardrails That Affect Loan Sizing

ScenarioCurrent Guardrail
Low DSCROptions down to 0.75 DSCR. The 0.75 option generally adds about 1.00% to 1.25% to the standard rate.
LTR PurchaseUp to 85% LTV at 740+ FICO on qualifying programs.
STR PurchaseUp to 80% LTV at 680+ FICO on qualifying programs. AirDNA is accepted by multiple capital partners.
Cash-Out RefinanceProgram 3 can reach 80% LTV at 680+ FICO in selected states. Outside those states, Program 3 is generally capped at 75% LTV.
Lease RequirementPrograms 2 and 3 can qualify without a lease. Program 1 requires a lease.

Where 80% Cash-Out Is Available on Program 3

At 680+ FICO, Program 3 can reach 80% cash-out LTV in the following states:

AL, CO, GA, ME, MI, MS, MO, NC, NH, PA, TN, TX, VA, WA

Why Your Final Quote May Differ From the Calculator

The calculator uses the numbers you enter. A real DSCR quote can change when the appraisal establishes a different market rent or property value, when taxes or insurance differ from the estimate, or when a capital partner applies a program overlay.

Program features also cannot be stacked automatically. For example, the $50,000 minimum-loan option belongs to Program 1, while the completed-renovation no-seasoning option belongs to Program 3 and has a $75,000 minimum loan. The quote process matches the full scenario to the capital partner whose rules actually fit.

Cash-Out Refinance

See current cash-out structures and limits.

BRRRR Refinance

Compare renovation and seasoning paths.

Purchase Loans

Review LTR and STR purchase options.

DSCR Calculator FAQs

How do you calculate DSCR on a rental property?

DSCR is monthly qualifying rent divided by monthly PITIA: principal, interest, property taxes, insurance, and HOA. A $2,500 monthly rent divided by a $2,000 PITIA payment produces a 1.25 DSCR.

What DSCR is required for a DSCR loan?

Requirements vary by capital partner and loan structure. Get Brick Capital has qualifying options down to 0.75 DSCR. The 0.75 option generally adds about 1.00% to 1.25% to the standard rate, and other credit, LTV, property, and reserve requirements still apply.

Can a DSCR loan qualify below a 1.0 DSCR?

Yes. Qualifying options are available down to 0.75 DSCR. A sub-1.0 DSCR does not automatically mean every loan structure or leverage level is available, so the full scenario still has to be matched to the appropriate wholesale program.

What is the maximum LTV on a DSCR cash-out refinance?

Program 3 can reach 80% cash-out LTV at 680+ FICO in AL, CO, GA, ME, MI, MS, MO, NC, NH, PA, TN, TX, VA, and WA. Outside those states, that program is generally capped at 75% LTV. Other programs may have different limits.

What is the maximum LTV on a DSCR purchase?

Qualifying long-term rental purchases can reach 85% LTV at 740+ FICO. Short-term rental purchases can reach 80% LTV at 680+ FICO on qualifying programs. The actual maximum depends on the complete loan scenario.

Do I need a signed lease for a DSCR loan?

Not on every program. Programs 2 and 3 can qualify without an executed lease. Program 1 requires a lease, and if the lease is less than 90 days old it also requires proof of the security deposit and rent plus evidence those funds were deposited into the landlord's bank account.

Can I calculate a DSCR loan before the property has a tenant?

Yes for programs that allow market-rent qualification without an executed lease. The appraiser's market-rent opinion may be used when the selected capital partner permits it. Lease requirements are program-specific.

Can I use AirDNA for a short-term rental DSCR loan?

Yes. Multiple Get Brick Capital capital partners accept AirDNA projections. Actual Airbnb or VRBO history can also be used on qualifying programs. Short-term rental program rules differ by capital partner, so the projection source should be reviewed with the full scenario.

Does the calculator tell me exactly which program I qualify for?

No. The calculator estimates property-level DSCR and loan sizing. It does not model every capital partner's FICO tiers, seasoning rules, state overlays, lease requirements, property-type restrictions, or pricing adjustments. A quote request is needed for an exact program match.

Get a Quote / See Your Options

Initial quote request. No credit pull required.

Want to See Your Options?Get My Quote →