DSCR Real Estate Investor Loan Calculator
Determine if an investment property qualifies for a Debt Service Coverage Ratio (DSCR) loan without personal income verification.
Calculation Inputs
Calculation Results
📊
Enter inputs on the left and click Calculate to view results.
Formula & Methodology
DSCR = Gross Rent / PITIA (Principal, Interest, Taxes, Insurance, Association)
Lenders typically require a minimum DSCR of 1.15 to 1.25 for non-QM investor loan approval.
Frequently Asked Questions
Can I get a mortgage with DSCR < 1.0?
Some specialty lenders offer No-Ratio DSCR loans (DSCR < 1.0), but they require higher down payments (25%-30%+).