DSCR Loan Calculator

How to Use This DSCR Loan Calculator

This calculator was built to help you run a full pencil test and make smarter investment decisions before you commit to a This DSCR loan calculator is built to help you quickly evaluate rental property loans based on the property’s income, not your personal income. Whether you are purchasing or refinancing, this tool helps you understand your monthly payment, cash flow, and debt service coverage ratio with just a few inputs.

Step 1: Start with your property value
If you are buying, enter the purchase price. If you are refinancing, enter the estimated appraised value of the property.

Step 2: Input the monthly rent
If you already own the property and it is rented, use the actual monthly rent amount. If the property is vacant, that is not a problem, we can still finance the loan. Use comparable properties nearby to estimate the rent. This can be based on traditional long term rent or average monthly income from short term rentals like Airbnb or VRBO.

Step 3: Use the sliders to complete the rest
Set your down payment if purchasing. The minimum required is 15 percent. For a cash out refinance, adjust the loan to value (LTV) on the right side to 80 percent, which is the maximum allowed. The down payment and LTV sliders are connected, changing one will automatically adjust the other.

Next, use the sliders to input your expected interest rate, your monthly property insurance, monthly property taxes, and any HOA dues. If there is no HOA, just enter zero.

Step 4: Hit calculate and get instant results
You will immediately see your:

• Loan amount
• Monthly PITI (principal, interest, taxes, and insurance)
• Estimated monthly cash flow
• Annual cash flow estimate (just multiply monthly by 12)
• DSCR ratio

Most underwriters look for a DSCR of at least 1.0, which means the property breaks even or better. However, we also offer unique no ratio DSCR loans, so if your calculation shows a low ratio, don’t worry, just give us a call. We will take a look at the deal and find the best loan options for your situation.

DSCR Loan Calculator for Cash-Out Refinance

If you are looking to tap into the equity of your rental property, this DSCR loan calculator is the perfect tool to help you evaluate your numbers. With a DSCR loan, your ability to qualify is based on the property’s income, not your personal income, which makes it ideal for investors scaling a portfolio.

For a cash out refinance DSCR loan, the maximum loan to value (LTV) is 80 percent. That means you can access up to 80 percent of your property’s appraised value in cash while keeping the rest as equity. Most lenders also look for a minimum credit score of 640 to qualify, although some may allow exceptions for stronger properties with higher rental income.

One common hurdle with a cash out refinance DSCR loan is seasoning, the amount of time you are required to own the property before refinancing. While many lenders require six to twelve months of ownership, we offer no seasoning DSCR loans, allowing you to refinance and pull equity much sooner. This can be a game changer for investors who are turning over projects quickly or who want to unlock equity immediately after renovations.

Use our DSCR loan calculator for cash out refinance to estimate your loan amount, monthly payment, and cash flow. Whether you are exiting a flip or pulling equity to fund your next acquisition, this tool helps you plan with precision. If your numbers are tight or your DSCR ratio is low, reach out, our team can review your scenario and help you structure a loan that works.

DSCR Loan Calculator for Rate and Term Refinance

If you’re looking to improve your rental property’s financing without pulling cash out, a DSCR loan for rate and term refinance could be the smartest move. This DSCR loan calculator for rate and term refinance is designed to help you analyze your new loan terms and monthly cash flow based on the rental income, not your personal income.

One of the key advantages of a rate and term refinance DSCR loan is that, since you’re not taking equity out of the property, lenders are often willing to offer higher leverage. In most cases, we can increase your loan to value (LTV) to 85 percent, allowing you to pay off your existing loan and possibly reduce your monthly payment, all while keeping more capital in the property.

This type of refinance is ideal if your original loan had high interest or unfavorable terms, and you want to restructure the financing to boost monthly cash flow or align with a long-term hold strategy. It’s also perfect for stabilizing short term rentals or converting bridge loans into permanent DSCR financing.

What to Know Before Getting a DSCR Loan

If you’re serious about building long term wealth through rental properties, DSCR loans are one of the most powerful tools available. Unlike conventional financing, where your personal debt-to-income ratio can cap your growth, DSCR loans allow you to scale based on property rental performance, not tax returns or personal income . That means if the deal works on paper, it can work in real life.

One of the biggest advantages? There is no cap on how many DSCR loans you can have. Traditional lenders often max you out after ten financed properties, but with DSCR loans, you can continue acquiring income-producing real estate as long as each property meets the qualifying criteria. This opens the door to serious portfolio growth, without being slowed down by W-2 requirements or other personal financials.

Before getting a DSCR loan, understand that you’re not just financing a property, you’re building a system for scale. Choose the right markets, make sure your rents support the debt, and have a lender who understands how investors think. Done right, DSCR financing can become your blueprint for long term growth and financial freedom.
Many savvy investors are using a combination of fix and flip loans and DSCR loans as a strategic hack to execute the BRRRR method, Buy, Renovate, Rent, Refinance, Repeat. By using short term capital to renovate and stabilize the property, then refinancing into a DSCR loan, they’re recycling their cash and scaling their portfolio faster than ever before.