DSCR Calculator

Calculate your Debt Service Coverage Ratio and see if this rental property qualifies for a DSCR loan.

Property Income

Monthly Gross Rent

Vacancy Rate (%)

Typical: 5–10% for LTR, higher for STR

Monthly Operating Expenses

Property Taxes

Insurance

HOA Fees

Maintenance / Repairs

Property Management (%)

Typical: 8–12% of gross rent; 0 if self-managing

Loan Details

Purchase Price

Down Payment (%)

DSCR loans typically require 20–25% down

Interest Rate (%)

Loan Term (years)

Enter property details and click Calculate to see your DSCR

Educational purposes only. These calculators provide estimates based on the inputs you provide. Results are not financial, legal, or investment advice. Real estate investments carry risk. Consult a licensed real estate attorney or financial advisor before making investment decisions.

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