Free DSCR Loan Calculator
for Investment Properties
Run the numbers on your rental or BRRRR deal in real time. Enter rent and annual costs, set your program type, and we'll size the max loan by both DSCR and LTV.
Free DSCR Calculator1.0×
LTR Target DSCR
1.15×
STR Target DSCR
80%
Max LTV
Loan Inputs
Property
Income & Expenses
Loan Structure
Results
Net Operating Income (Annual)
$0
Annual Debt Serviceⓘ
$0
DSCR Ratio
8.33×
Qualifies: standard program
Maximum Loan Sizing
We size two ways and take the lower of the two.
Max Eligible Loan
$0
How DSCR Is Calculated
DSCR = Monthly Rent ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA)
A DSCR of 1.0× means rent exactly covers the payment. Above 1.0× means positive cash flow. Below 1.0× means the property doesn't fully cover its debt.
Minimum 0.75 DSCR (expanded program) or 1.0+ DSCR (standard program) for Long-Term Rentals. For Short-Term Rentals using AirDNA projections, 1.15× minimum.
Ready to Submit Your Deal?
No credit pull. Rates within 24 hours.
How DSCR Loans Work
What Is a DSCR Loan, and What Does the Calculator Tell You?
A DSCR loan isan investment property mortgage that qualifies on the property's rental income (Debt Service Coverage Ratio) instead of the borrower's W-2 or tax returns. Lenders calculate DSCR as monthly rent divided by monthly PITIA. A ratio of 1.0 or higher means the property fully covers its own debt; Get Brick Capital qualifies expanded programs down to 0.75.
A DSCR loan — short for Debt Service Coverage Ratio loan — is an investment property mortgage that qualifies on the property's rental income, not the borrower's personal income. There are no W-2s, no tax returns, no employment verification, and no DTI calculation. The lender looks at one number: does the rent cover the mortgage payment?
That number is the DSCR. It's the property's monthly rent divided by its monthly PITIA — Principal, Interest, Taxes, Insurance, and HOA. A DSCR of 1.0 means the rent exactly covers the payment. Above 1.0 means positive cash flow. Below 1.0 means the property doesn't fully cover its own debt out of rent alone.
Our calculator runs that math for you in real time. Plug in property value, rent, annual taxes and insurance, your target rate, and the program type (long-term rental or short-term rental). It returns three things: your DSCR, your maximum loan size by DSCR, and your maximum loan size by LTV — then takes the lower of the two as your eligible loan amount. That's exactly how a DSCR lender sizes a real loan.
The DSCR Formula
DSCR = Monthly Rent ÷ Monthly PITIA
PITIA = Principal + Interest + Taxes + Insurance + HOA
Lenders use the same formula. The only variation is which rent figure they use. Most DSCR lenders, including Get Brick Capital, use the appraiser's market rent estimate from the 1007 rent schedule (a standard part of an investment-property appraisal) — not the rent on a signed lease. That's why you can refinance a freshly rehabbed property with no tenant in place.
DSCR Targets by Program
| Program | Min DSCR | Min FICO | Max LTV |
|---|---|---|---|
| LTR · Standard | 1.00 | 680 | 80% |
| LTR · Expanded | 0.75 | 660 | 75% |
| STR · AirDNA | 1.15 | 680 | 75% |
| Low FICO | 1.10 | 640–659 | 70% |
These are the floors. Actual rate, LTV, and DSCR pricing depend on the full scenario. The calculator uses 1.0 for LTR and 1.15 for STR as baseline targets — the same defaults our underwriting team starts with.
Worked Examples
BRRRR Refi · Standard
Property Value
$300,000
Rent
$2,500/mo
PITIA
$2,000/mo
DSCR
1.25
Qualifies under the Standard program. Rent more than covers the payment. Eligible for the best rate tier and up to 80% LTV at 680+ FICO.
Cash-Out Refi · Expanded
Property Value
$220,000
Rent
$1,650/mo
PITIA
$1,800/mo
DSCR
0.92
Qualifies under the Expanded program. DSCR is below 1.0 but above the 0.75 floor, so the loan still closes — at a higher rate than Standard. Common for investors with self-employed write-offs or Section 8 rents that lag market.
STR Purchase · AirDNA
Property Value
$425,000
Rent
$5,500/mo (AirDNA)
PITIA
$3,800/mo
DSCR
1.45
Qualifies under the STR program. Short-term rentals require a 1.15 minimum DSCR; this clears it comfortably using the AirDNA projection. No prior STR operating history required.
Rate & Term · Below Threshold
Property Value
$185,000
Rent
$1,200/mo
PITIA
$1,750/mo
DSCR
0.69
Does not qualify at current inputs. DSCR is below the 0.75 Expanded floor. Options: increase rent (lease bump or Section 8 voucher), reduce loan amount (more cash in), or wait until rates drop. Submit your scenario anyway — we sometimes find a path others miss.
How the Calculator Sizes Your Loan
DSCR loans are sized two ways. The calculator runs both and takes the lower result — same logic the underwriter uses.
- By DSCR. Working backward from the rent and your target DSCR, the maximum loan amount is the size at which the annual debt service exactly hits the rent ÷ target threshold. Higher rent or lower payment lets you borrow more.
- By LTV.Capped at 80% of the property value (or your max LTV slider). Even a high-DSCR property can't exceed the LTV ceiling.
Whichever number is lower is your eligible loan amount. The calculator highlights both so you can see which constraint is binding — that tells you whether to push for a higher appraisal (LTV-bound) or work the rent up (DSCR-bound).
What the Calculator Doesn't Account For
- Reserves. Most DSCR lenders require 3–6 months of PITIA in liquid reserves at closing.
- Closing costs. Origination, title, appraisal, and escrows typically run 2–5% of the loan. The calculator returns gross loan amount, not cash-to-close.
- Prepayment penalties. Most DSCR loans carry a 3- or 5-year stepdown prepay. Factor that into your hold strategy.
- Credit overlay. Sub-680 FICO drops the LTV cap and bumps the rate. The calculator uses the 80% maximum across the board.
For an exact qualification — including reserves, closing costs, rate, and any overlays — submit your scenario. Quote back in 24 hours, no credit pull.
DSCR Calculator FAQ
What is a DSCR loan calculator?+
A DSCR loan calculator estimates whether a rental property qualifies for a Debt Service Coverage Ratio loan by comparing the property's rental income to its total mortgage payment, including taxes, insurance, and HOA. A result of 1.0 or higher means the rent fully covers the debt; 1.25 or higher is preferred by most lenders, but Get Brick Capital qualifies expanded programs down to 0.75.
How is DSCR calculated for a rental property?+
DSCR equals the property's monthly rent divided by its monthly PITIA — Principal, Interest, Taxes, Insurance, and HOA. For example, a property renting for $2,500 with a $2,000 PITIA payment has a DSCR of 1.25. The higher the ratio, the more debt the property can support and the better the loan terms.
What DSCR ratio is needed to qualify for a DSCR loan?+
Most lenders require 1.0 to 1.25 DSCR. Get Brick Capital offers a Standard program at 1.0+ DSCR and an Expanded program down to 0.75 DSCR with slightly higher rates. For short-term rentals using AirDNA projections, the minimum target is 1.15.
Can I get a DSCR loan with a DSCR below 1.0?+
Yes — through our Expanded program. A DSCR between 0.75 and 1.0 still qualifies if your credit, LTV, and reserves meet the program's other requirements. Rates run higher than the Standard 1.0+ program, but the deal closes.
Does the DSCR calculator account for vacancy or property management?+
No. DSCR loan underwriting uses gross market rent — the figure the appraiser provides on the 1007 rent schedule — not net rent after vacancy or management. This is the same calculation lenders use, so the calculator output mirrors what you'll see on a real qualification.
What's the maximum LTV on a DSCR loan?+
Up to 80% LTV on cash-out refinances and purchases at 680+ FICO with 1.0+ DSCR. Our calculator caps the LTV slider at 80% to reflect this. Lower credit or lower DSCR drops the maximum LTV — typically to 70-75%.
Do I need a tenant in place to use a DSCR loan calculator?+
No. DSCR loans qualify on the appraiser's market rent opinion, not a signed lease. You can run the calculator using estimated market rent the day rehab is finished and submit a deal based on the appraised projection.
Why does my DSCR look different from what my lender quoted?+
Two common reasons: (1) the appraiser's market rent figure differs from your estimate, or (2) the lender used a different rate, term, or interest-only structure. Our calculator uses your inputs verbatim. To get an exact qualification, submit your scenario and we'll size the loan against your real property's appraisal and our current rate sheet.
Run the Numbers, Then Run the Deal
DSCR Refinance Loans
BRRRR, cash-out, rate & term, and delayed purchase programs.
DSCR Purchase Loans
Long-term rental and short-term rental purchase financing.
BRRRR Refinance
No seasoning, no lease. Refi on new ARV the day rehab is done.
Sub-1.0 DSCR Cash-Out
Expanded program for properties below the 1.0 threshold.