DSCR Calculator

Calculate your Debt Service Coverage Ratio to see if your rental property qualifies. DSCR loans require no income verification.

Calculate Your DSCR

Enter your property details to see if the rental income covers the debt service. A DSCR of 1.25x or higher is ideal.

Property Details

Property Value

$350,000

Monthly Rent

$2,800

Vacancy Rate

5%

Loan Terms

Interest Rate

7.50%

Loan Term

Loan-to-Value (LTV)

75%

Monthly Expenses

Property Taxes

$250

Insurance

$150

HOA

$0

Debt Service Coverage Ratio

1.23x

Borderline

Loan Amount

$262,500

Down Payment

$87,500

Effective Gross Income

$2,660

Net Operating Income

$2,260

Monthly P&I

$1,835

Monthly Cash Flow

$425

Cash-on-Cash Return

5.8%

Like what you see? Get a personalized quote.

We'll review your numbers and call you within 24 hours.

Name

Phone

Coastal Real Estate Funding contacts you only about the inquiry, application, or loan you start with us. SMS and phone calls are SEPARATE opt-ins below — check each one you want. Message frequency varies based on your inquiry or loan. Msg & data rates may apply; standard call rates may apply. Reply STOP to opt out of SMS, HELP for help. Consent is not a condition of any purchase or loan. See our Terms of Service and Privacy Policy.

I agree to receive transactional SMS messages from Coastal Real Estate Funding about my inquiry, application, or loan — for example, status updates, document requests, scheduling, and reminders. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

I agree to receive phone calls from Coastal Real Estate Funding or its agents about my inquiry, application, or loan, including calls placed using an autodialer or an artificial or prerecorded voice. Consent is not a condition of any purchase or loan. Standard call rates may apply. I may opt out at any time by telling the caller "do not call."

Get Pre-Qualified

DSCR Loan FAQ

What is DSCR?

Debt Service Coverage Ratio measures whether a property generates enough income to cover its debt payments. DSCR = Net Operating Income / Total Debt Service. A ratio above 1.0 means the property cash flows.

What DSCR do I need to qualify?

Most DSCR lenders require a minimum of 1.0x, but 1.25x or higher gets the best rates. Some programs accept 0.75x DSCR with compensating factors.

Do I need to verify my personal income?

No. DSCR loans qualify based on the property's rental income, not your personal income. This makes them ideal for self-employed investors and portfolio holders.

What counts as Net Operating Income (NOI)?

NOI = Gross Rental Income - Vacancy - Taxes - Insurance - HOA - Management. It does NOT include mortgage payments.

Qualify Based on Cash Flow, Not Income

Our DSCR Bridge Plus program requires no income documentation. Get pre-qualified based on your property's rental income.

Pre-Qualify for DSCR

Call (239) 259-9829