DSCR Calculator

Compare 30-year, 40-year, and interest-only structures side by side. DSCR = Rental Income ÷ Qualifying Property Payment (P&I + taxes + insurance + HOA).

Monthly rent (gross)

Loan amount

Interest rate (%)

Monthly taxes

Monthly insurance

Monthly HOA

Structure	P&I	Payment	DSCR
30-Year Fixed	$0	$0	0.00x
40-Year Fixed	$0	$0	0.00x
Interest-Only	$0	$0	0.00x

A DSCR of 1.0 means rent covers the payment. The core rental program includes scenarios down to 0.75x. Provider minimums vary.

Calculator results are estimates for informational purposes only and are based on the information and assumptions entered. Results are not an approval, prequalification, quote, commitment to lend, or guarantee of financing. Actual loan amounts, payments, DSCR, leverage, interest, fees, required equity, and other terms may differ following underwriting, valuation, and final program review. Preliminary DSCR estimate — not an offer, approval, or financing terms.

Last updated: August 2026

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