Estimate Your DSCR Loan

DSCR Loan Calculator

Use our rate calculator to estimate the loan amount, monthly payment, and DSCR ratio for a rental property — in under 2 minutes. No credit pull, no commitment, no contact info required to see your numbers.

Open the calculator Call (410) 855-4600
Rental property exterior
DSCR Calculator
2 minAverage time to a rate estimate
NoCredit pull during estimation
LivePricing from our underwriting team

How the calculator works

Enter the property's purchase price (or estimated value if refinancing), the loan amount you want, and the projected gross monthly rent.

The calculator returns your estimated rate, monthly P&I, DSCR ratio at our pricing tiers, and the maximum loan amount that hits a 1.0x DSCR.

Numbers update live as you change inputs. There's no commitment and no credit pull — just an instant estimate from our underwriting model.

How DSCR is calculated

DSCR = Gross monthly rent ÷ Monthly PITIA (principal + interest + taxes + insurance + HOA).

A DSCR of 1.0x means the rent exactly covers the mortgage. A DSCR of 1.25x means rent is 25% higher than the payment — which is what most investors target for a comfortable margin.

We require a minimum 1.0x DSCR to qualify. Higher DSCR typically unlocks better pricing. Full DSCR ratio guide →

What the calculator estimates

Estimated interest rate at the current market.

Monthly principal & interest payment.

Total monthly PITIA (including estimated taxes, insurance, and HOA where applicable).

DSCR ratio at your inputs.

Maximum loan amount that maintains a 1.0x DSCR.

Estimated cash-to-close, including closing costs and reserves.

How to use the result

If your DSCR is below 1.0x: increase rent (with a higher-rent comp justification) or reduce the loan amount.

If your DSCR is above 1.2x: you may qualify for better pricing — submit a full quote to see real rates from our underwriting team.

If you're rehabbing first: use the calculator on the post-rehab numbers, not today's. Our bridge loan covers the rehab; the DSCR refi qualifies on the stabilized rent.

Checklist

Documents you'll need

A typical complete file looks like this.

Property address (or rough estimate if you don't have one yet)
Purchase price or current estimated value
Loan amount you want
Gross monthly rent (current lease or projected market rent)
Estimated property taxes (the calculator pulls a county estimate if you don't know)
HOA fees if applicable

Common Questions

Will this calculator pull my credit?
No. The calculator gives you an estimate based on the property numbers you enter and our current pricing matrix. We only pull credit when you submit a full quote and are ready to move forward.
How accurate is the estimated rate?
Very close — we use the same pricing matrix our underwriting team uses on day one. The final rate can move slightly based on factors like FICO score, property condition, and timing, but the estimate is the right ballpark.
Can I use the calculator for a refinance?
Yes. Enter the property's current value as the purchase price, the loan amount you want, and the rent. The calculator will show you both rate-and-term and cash-out scenarios.
What if my DSCR comes out below 1.0x?
The calculator will show you the maximum loan amount that hits 1.0x — that's the most you can borrow at the current rent. You can also try a higher rent (with comp justification) or look at a different property.
Do you have a calculator for bridge / fix-and-flip loans?
Yes — the same calculator works for both. Toggle to bridge mode and enter your rehab budget and ARV. You can also use the Deal Sizer for a quick first pass on fix-and-flip economics.
Can I share my result with a partner or broker?
Yes. The result page has a shareable link you can send. The link only includes the inputs you entered — no personal information.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites the file — not an algorithm or a remote committee.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Investor Education

From the Blog

Investor playbooks and explainers from our team. See the full library on our blog.

Ready to talk about your deal?

Get a quote in 24 hours or call us right now.

Open the calculator Call (410) 855-4600
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