DSCR Calculator (Rental Property)
See if the rent covers the payment — the number DSCR lenders price on.
Workable — the property covers itself; some programs fit.
Estimate only — programs typically want DSCR ≥ 1.0–1.25 and qualify on the property's income, not your tax returns. Actual terms vary by deal and lender.
Common questions
What DSCR do lenders want?
Most DSCR programs look for 1.0–1.25 or better — meaning the rent covers 100–125% of the full monthly payment (principal, interest, taxes, insurance, and HOA). Stronger coverage generally means better pricing.
Do I need tax returns for a DSCR loan?
No — that's the point of the product. DSCR loans qualify on the property's rent coverage, not your personal income, so no tax returns or W-2s are required on most programs.
What if my DSCR is below 1.0?
A lower loan amount, a rate buy-down, or a different program can often fix it. Some lenders also offer sub-1.0 DSCR options at adjusted terms — talk to us before ruling a deal out.
Like the numbers? Let's make them real.
Pre-qualify in two minutes with no credit pull, or call (337) 344-9939.
