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DSCR loan calculator
Enter the rent and the costs of owning the property to see its debt service coverage ratio. Then see how much you can borrow below.
Get my termsTexas DSCR loansDSCR calculator
The rate is your own estimate for testing numbers, not a quote. 30-year payment.
See your loan amount in seconds
Qualify on the rent, not your income. Send the deal and a loan officer follows up with your rate and terms.
Estimate only. Loan amount is up to 85% of the purchase price on purchases, or up to 80% of the appraised value on cash-out refinances. Minimum loan $150,000. Rate and final terms depend on the property, the rent and your credit. Business-purpose loans on investment property in Texas.
How to read your result
- Above 1.25: the rent covers the payment with a healthy cushion
- 1.00 to 1.25: the rent covers the payment
- Below 1.00: the rent falls short of the full payment at these numbers
The rate you enter is your own estimate so you can test numbers. It is not a quote. Send the deal and a loan officer will give you real terms. Learn more about the debt service coverage ratio and what moves DSCR loan rates.
What counts as rent
For a property that is already rented, lenders use the current lease. For a purchase or a vacant property, the appraiser’s market rent estimate is used. Use a realistic number based on comparable rentals nearby.
Questions investors ask
What payment does the DSCR use?
Principal and interest plus monthly property taxes, insurance and any HOA dues.
Is the rate in the calculator your rate?
No. It is your own estimate for testing numbers. A loan officer gives you real terms after you send the deal.