DSCR loan calculator · no login · no income docs
Underwrite any rental in 30 seconds. Then meet the lenders who'll fund it.
Model the deal, get an honest DSCR verdict, your PITIA breakdown and max loan — then match with investor lenders. Built for investors who run the numbers first.
Most DSCR lenders treat this as a clean, well-qualified file.
- Loan amount
- $225,000
- Monthly P&I
- $1,573
- PITIA / mo
- $1,998
- Cash flow / mo
- $502
- Cap rate
- 8.3%
- Max loan @ 1.25
- $225,253
See your real DSCR rates
Get matched with investor lenders that approve deals like yours. Free, no obligation.
Matching DSCR lenders
Ranked by fit, not by payout.Wide DSCR box that will look at ratios as low as 0.75 with compensating factors; a good backstop for marginal deals that other lenders decline.
- • Fits: DSCR floor 0.75, FICO 620+, up to 80% LTV.
High-volume tech-forward lender with fast DSCR closings and a no-income-doc 30-year product; competitive on A/B-class single-family and 2-4 unit.
- • Fits: DSCR floor 1.00, FICO 660+, up to 80% LTV.
Investor-only lender with an explicit short-term-rental DSCR program and a no-ratio option; strong fit for Airbnb deals where long-term rent is thin.
- • Fits: DSCR floor 1.00, FICO 640+, up to 80% LTV.
Non-QM lender with flexible DSCR overlays including sub-1.0 'no-ratio' files; useful when the property does not cover PITIA but the borrower is strong.
- • Fits: DSCR floor 1.00, FICO 640+, up to 80% LTV.
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • Fits: DSCR floor 1.00, FICO 660+, up to 75% LTV.
One of the original DSCR shops; rate/term and cash-out refis on stabilized rentals with a clean, ratio-driven underwrite and a public DSCR calculator.
- • Fits: DSCR floor 1.10, FICO 680+, up to 80% LTV.
Affiliate disclosure: DSCRDealCheck may receive compensation when you connect with or close a loan through partner lenders. This does not affect your rates and does not change our independent rankings.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Actual rates, terms, and eligibility are determined solely by the lender. DSCR loans shown are business-purpose, RESPA-exempt investor loans. Not financial, legal, or tax advice.
Honest verdict
Green only when a deal truly cash-flows. Amber for marginal (1.0–1.2). Red when it fails. We never recolor a bad number.
Real rate ranges
We show defensible rate ranges by program, not invented exact quotes — because honesty reads as competence.
Match by fit
Lenders ranked by how their published program fits your deal, not by who pays the most. Affiliate ties disclosed.
Lender match
How matching works
Once your deal models out, we line your numbers up against each lender's published DSCR program — minimum ratio, LTV, FICO, and property type — and rank them by fit, not by who pays us the most. You see why each lender ranks where it does, with any affiliate ties disclosed.
Programmatic coverage
DSCR loans by state
FAQ
DSCR loan FAQ
What is a DSCR loan?+
A DSCR (debt service coverage ratio) loan is a business-purpose mortgage for investment property that is qualified on the property's rental income instead of your personal income. Lenders divide gross monthly rent by PITIA (principal, interest, taxes, insurance, HOA) to get the DSCR.
How do I know if I qualify for a DSCR loan?+
Enter your rent, price, down payment, rate, taxes, and insurance into the calculator. If your DSCR is 1.0 or higher you likely qualify; 1.25+ is treated as a strong file. Below 1.0 you may need more down payment or a no-ratio program.
Do DSCR loans require proof of income?+
No. DSCR loans do not verify W-2 income, tax returns, or employment. The property's rent versus its payment is what drives approval, which is why investors use them.
What DSCR ratio do lenders want?+
Most programs require a minimum DSCR of 1.0, with the best pricing at 1.25 or higher. Some lenders will consider ratios as low as 0.75 with compensating factors or as a no-ratio loan.
Is a DSCR loan a consumer mortgage?+
No. A DSCR loan is a business-purpose, RESPA-exempt loan made for investment (non-owner-occupied) property. DSCRDealCheck is an educational tool and is not a lender, broker, or advisor.