Base case
Your current inputs
1.25DSCR
- Monthly rent
- $2,500.00
- Monthly PITIA
- $1,998.23
- Rent minus PITIA
- $501.77
1.00 DSCR means rent equals PITIA.
Free DSCR estimate · no account required
Estimate a rental property's DSCR. See how much room your rent leaves.
Compare your base case with lower rent and higher taxes or insurance. Download the numbers free. Educational estimates—not an approval or rate quote.
Already own a rental? Estimate cash-out proceeds →$0to run a dealPITIAbreakdown shownNo loginfor the calculatorContact details not required
Example result · edit the inputs before relying on this screen
Debt service coverageHigher coverage
1.25
DSCR
Estimated rent is at least 1.25× PITIA at these inputs; provider underwriting still applies.
What property are these numbers for?
One tap — we don't ask for anything else.
- Loan amount
- $225,000
- Monthly P&I
- $1,573
- PITIA / mo
- $1,998
- Rent minus PITIA / mo
- $502
- Simplified cap rate*
- 8.3%
- Max loan @ 1.25
- $225,253
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
PITIA breakdown: P&I $1,573 + taxes $300 + insurance $125 + HOA $0.
Get your numbers and next-step questions by email. Phone optional. DSCRDealCheck reviews your request before any lender introduction.
Edit the example and select a state to create a share link.
Free scenario comparison
How much room does the rent leave?
Change the calculator inputs above to update all three cases. Each stress starts from the base case; the two stresses are not combined. Loan amount, rate, term and HOA stay fixed.
Illustrative example — synthetic figures
Lower rent
Monthly rent −10%; expenses unchanged
1.13DSCR
- Monthly rent
- $2,250.00
- Monthly PITIA
- $1,998.23
- Rent minus PITIA
- $251.77
-$250.00 / month change in rent minus PITIA.
Higher expenses
Annual taxes +20% and insurance +20%; rent unchanged
1.20DSCR
- Monthly rent
- $2,500.00
- Monthly PITIA
- $2,083.23
- Rent minus PITIA
- $416.77
-$85.00 / month change in rent minus PITIA.
Rent minus PITIA is not net profit: maintenance, vacancy reserves, management and other operating costs are excluded. These are educational estimates, not an approval, guaranteed rate or loan offer.
Includes every input and all three results. No account or contact details required; downloading sends nothing to a lender.
Get your deal summary & request an options review
We’ll email your numbers and next-step questions, then review whether a lender option fits. If it does, we’ll ask before introducing you. A match, quote, or approval is not guaranteed.
Free email summary · phone optional · no credit check by this form
You can submit without completing the calculator. We’ll ask for an approximate loan amount and mark the DSCR as not yet calculated.
Free worksheet
Keep a lower-rent scenario with your deal
Use the cash-out calculator to compare base rent with a lower-rent case, then download the assumptions, results and questions for a lender in one CSV. No payment or contact details required.
Open the free comparison →Pro is not currently available for new purchases. This worksheet is a separate free tool.
DSCR lender directory
Published criteria, not an approval.These are the program criteria we track, as each lender publishes them. Nothing here has been screened against a deal yet. Edit the example assumptions and select the property state to see which programs fit your numbers — and note that credit, reserves, appraisal, title, documentation, and provider underwriting are never checked here.
Screen these against your deal ↑Griffin Funding
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.
- • DSCR floor 0.75, FICO 620+, up to 80% LTV.
- • Loan size $100,000–$4,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: griffinfunding.com · read 2026-09-18
New Silver
Tech-forward lender with a 30-year fixed DSCR product from a 0.75 ratio — one of the lowest floors here — plus an explicit short-term-rental program and instant online pricing.
- • DSCR floor 0.75, FICO 660+, up to 80% LTV.
- • Loan size $150,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: newsilver.com · read 2026-08-18
Visit New Silver via tracked link →Kiavi
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. Its rental-loan page states that DSCR loans are originated and funded by Figure Lending LLC dba Figure as of 2026-09-01.
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $75,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD, VT.
Source: kiavi.com · read 2026-06-15
Easy Street Capital
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.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD.
Source: easystreetcap.com · read 2026-06-15
Lima One Capital
Established private lender with a 30-year DSCR rental product from a 1.0 ratio and 660 FICO; up to 80% LTV on purchase plus a dedicated Airbnb/short-term-rental program (700 FICO, 1.3 DSCR).
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $85,000–$2,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: limaone.com · read 2026-09-18
Angel Oak
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.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $100,000–$1,500,000.
- • Short-term-rental income: no program.
Source: angeloakms.com · read 2026-06-15
New American Funding
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • DSCR floor 1.00, FICO 660+, up to 75% LTV.
- • Loan size $100,000–$2,000,000.
- • Short-term-rental income: no program.
Source: newamericanfunding.com · read 2026-06-15
Visio Lending
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.
- • DSCR floor 1.10, FICO 680+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: visiolending.com · read 2026-06-15
Compensation disclosure: DSCRDealCheck may receive payment for partner-link activity, submitted inquiries, accepted leads, or completed loans. Compensation may affect which providers are included or displayed; it does not change the calculator math. Provider underwriting and terms control.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Providers determine rates, terms, eligibility, transaction classification, and applicable requirements. Not financial, legal, or tax advice.
Transparent estimate
The meter uses the same displayed inputs and formula throughout: gross monthly rent divided by estimated PITIA.
Published ranges
Program information is presented as an indicative range, never as a personalized rate quote or commitment.
Program filters
Program cards compare only the listed DSCR, loan-size, state, and property-type criteria. Provider underwriting controls.
Lender match
How matching works
Once your deal is modeled, we compare its estimated DSCR, loan size, selected state, and property type with criteria in our program directory. The result is not underwriting, an approval, or a personalized rate quote. Any compensation relationship is disclosed separately.
Choose your financing moment
Start with the decision you need to make
General DSCR math is only the first step. These guides help organize a transaction that is already moving toward a purchase, refinance, or written provider comparison.
Each guide includes the calculator, a scenario-specific checklist, questions to ask a provider, and primary sources. No contact details are required to use them.
Bridge-to-DSCR refinance
Test whether stabilized value and rent can support the planned bridge takeout.
BRRRR refinance calculator
Stress-test the refinance exit after buying, renovating, and renting a property.
DSCR cash-to-close calculator
Reconcile down payment, points, costs, prepaids, deposits, and written credits.
DSCR cash-out refinance
Estimate the post-refinance payment before requesting proceeds and terms.
DSCR loan under contract
Organize the deal, property, entity, and timing details a provider will ask for.
Foreign-national DSCR loan
Check the provider-specific questions that matter when the owner is outside the U.S.
Compare DSCR loan quotes
Normalize rate, points, lender fees, prepayment terms, and cash to close.
DSCR Deal Lab
See the assumption that changed the deal
Three transparent financing teardowns show the inputs, arithmetic, and constraint behind a rent-stress result, a cash-to-close surprise, and a bridge-payoff gap.
Programmatic coverage
DSCR loans by state
DSCR loan in Texas→DSCR loan in Florida→DSCR loan in Georgia→DSCR loan in Arizona→DSCR loan in Tennessee→DSCR loan in Ohio→DSCR loan in North Carolina→DSCR loan in Indiana→DSCR loan in Alabama→DSCR loan in Missouri→DSCR loan in South Carolina→DSCR loan in Michigan→DSCR loan in California→DSCR loan in New York→DSCR loan in Pennsylvania→
FAQ
DSCR loan FAQ
What is a DSCR loan?+
A DSCR (debt service coverage ratio) loan is commonly used for non-owner-occupied investment property. Providers generally compare the property's rental income with PITIA (principal, interest, taxes, insurance, and HOA), while also applying their own credit, reserve, property, and documentation rules.
How do I know if I qualify for a DSCR loan?+
Use the calculator to estimate where the property's rent falls relative to PITIA. A ratio of 1.00 means estimated rent equals estimated PITIA, and 1.25 provides more coverage. The ratio alone does not determine eligibility; each provider performs its own underwriting.
Do DSCR loans require proof of income?+
Many DSCR programs do not use personal W-2 income or tax returns as the primary qualification test. Providers can still require credit, reserves, identity, entity, lease, appraisal, insurance, and other documentation.
What DSCR ratio do lenders want?+
Published program thresholds often begin around 1.00, with some providers advertising different treatment above 1.20 or 1.25. Minimum ratios, pricing, compensating factors, and no-ratio options vary by provider and can change.
Is a DSCR loan a consumer mortgage?+
DSCR programs are commonly intended for non-owner-occupied, business-purpose investment financing. The legal classification and laws that apply depend on the facts of the transaction and the provider's determination. DSCRDealCheck does not make that legal determination.