DSCR Loan Calculator
Check whether a rental property’s rent covers its payment, back-solve your maximum DSCR loan, and stress-test the rent. No tax returns, no credit check.
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What is a DSCR calculator?
A DSCR calculator sizes an investment property loan the way a DSCR lender does: by the property’s rental cash flow instead of your personal income. It answers the question investors ask most, “Can I get a loan without tax returns?”
You enter the monthly rent and the full payment, or let us build the payment from price, rate, taxes, insurance, and HOA. Kwalifai returns your debt service coverage ratio, the pricing tier it lands in, the maximum loan your rent can support at a target ratio, and how sensitive the deal is to a change in rent.
It’s built for 1-4 unit rentals: single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes.
How to calculate DSCR
The math is simpler than debt-to-income. You only need two numbers, but each one has to be complete.
DSCR = Gross Rent ÷ PITIA
- Monthly gross rent: the rent on a signed lease, or the appraiser’s market rent estimate, depending on the lender and whether the unit is leased.
- PITIA: principal, interest, property taxes, hazard insurance, and HOA dues. Flood insurance counts too when it’s required.
An investor is buying a single-family rental that leases for $3,000 a month. The projected PITIA is $2,400.
- Monthly gross rent
- $3,000
- Total monthly PITIA
- $2,400
- DSCR
- 1.25x
Rent covers the payment with a 25% cushion, which puts this deal in the tier most lenders price best.
Documents lenders ask for
DSCR loans skip personal tax returns, but underwriters still verify the property. Having these ready keeps your closing on schedule.
Rental income
A signed lease, or a rent roll for 2-4 units. If the property is vacant, the appraiser provides market rent on Form 1007 (single-family) or Form 1025 (2-4 units).
Property costs
The property tax bill and the hazard insurance declarations page. Condos and townhomes also need the HOA dues statement.
Loan & liens
The Loan Estimate to confirm the new payment. For a cash-out or rate-term refinance, the current mortgage statement to verify existing liens.
Understanding DSCR ratio tiers
Lenders group ratios into tiers to price risk. Knowing where the lines fall helps you structure a stronger deal.
Positive cash flow
Rent is more than the payment. At 1.25x and above, many lenders offer their best rates and leverage up to 80% LTV on a purchase.
Breakeven
Rent exactly covers PITIA with nothing left for vacancy, repairs, or management. Often still qualifies, sometimes with tighter terms.
Negative cash flow
The property runs at a monthly loss. Not automatically a no: some programs go down to about 0.75x or offer no-ratio options.
Below 1.00x, lenders usually offset the risk with stronger credit (often 700+), a bigger down payment (often 25% to 30%), and more reserves. In Texas, high property tax bills are one of the most common reasons a ratio lands lower than investors expect, so use the actual tax bill rather than an estimate.
Built for investors who move fast
Instant ratio
See your DSCR, pricing tier, and cash flow the moment you hit calculate.
Max loan back-solve
Find the largest loan your rent supports at 1.00x, 1.20x, or 1.25x, capped at 80% LTV.
Rent stress test
Check how the deal holds up if rent comes in 5%, 10%, or 20% lower.
No credit check
Run as many scenarios as you want. No sign-up, no spam, no pull on your credit.
DSCR questions, answered
Still unsure how a lender will see your deal? Ask Lowi for a scenario review.
Other calculators to try
Run the ratio. Then get it priced.
Share your scenario with Lowi and see how today’s DSCR programs treat your deal. No credit check to start.
These results are estimates for educational purposes only and do not constitute a credit decision, loan approval, or commitment to lend. DSCR program guidelines, rates, and maximum LTVs vary by lender and are subject to change. Kwalifai is a technology platform. Mortgage services are provided by a licensed loan originator (NMLS #2528067), licensed in Texas, enrolled with Ensure Home Loans LLC (NMLS #1666674).