DSCR Loan Calculator for Rental Property Investors

Size your rental property deal before you commit.
Get A DSCR Loan Quote Call Today 888-677-2526

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Soft credit pull upfront • Preapprovals often in as little as 48 hours • Closings often in 2–3 weeks
 

Run the numbers on your rental property before you move the deal forward. Enter rent and monthly housing expenses to see where the file may land.

DSCR Calculator

DSCR Loan Calculator

Note: Results are estimates and based on input data.

PITIA Results

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DSCR Results

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How to Read Your Results

Your DSCR is calculated by dividing your property's rental income by its total monthly housing expense.

DSCR = Rental Income ÷ Monthly Housing Expense (PITIA)

What your number may mean:

 

1.0+ DSCR —
Strong Lane

The property income covers the debt. This is usually the strongest qualifying position and often the best pricing lane.

 

0.75 DSCR —
Flexible Lane

The property is close, but cash flow is tighter. Loan options may still be available, though pricing and leverage may adjust.

 

Below 0.75 or No-Ratio —
Transition Lane

If the property does not qualify cleanly on the ratio today, a No-Ratio DSCR Loan may be worth reviewing. In those scenarios, credit, equity, and property profile matter more.

 

 

See when No-Ratio DSCR may fit instead

Learn More

What Counts in the Monthly Housing Expense?

To run a more accurate DSCR scenario, include:

 

cAsset 2-1

Principal and interest

your estimated monthly mortgage payment
cAsset 4-1

Property taxes

monthly equivalent of your annual tax bill
cAsset 1

Insurance

hazard insurance and any required flood insurance
cAsset 3-1

HOA dues

if applicable

 

Reserve reminder: Many DSCR programs require 3–6 months of PITI in liquid reserves. If the property has HOA dues, think in terms of PITI + HOA.

 

Got Your Number? Here's What to Do Next.

You have your number. Now let's size the full deal.

 

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Rates, pricing, and qualifying options depend on the full file, including:

  • Credit score

  • Loan-to-value

  • Loan purpose — purchase, refinance, or cash-out

  • Property type and occupancy

  • Reserves and overall file strength

  • Taxes and insurance

  • Rent support method, program dependent
HomeLife reviews the full scenario upfront so you can understand rate, costs, and fit before spending time or money going deeper into the file.
Soft credit pull upfront. No impact on your score.

 

Get a Quick Quote

Not Sure Which Lane Fits?

Every DSCR scenario is different. If your ratio is strong, you may be in a clean qualifying lane. If it is close — or the property is not generating income yet — there may still be a path forward.

 

Strong DSCR?

Explore DSCR Loans

Ratio close or below 1.0?

See No-Ratio DSCR Loan options

Self-employed and qualifying on income instead of property cash flow?

See Bank Statement Loans

Why Use Homelife’s DSCR Calculator?

The calculator is the starting point. HomeLife helps you size the full scenario.

Running your numbers here gives you a clearer picture before your first conversation. HomeLife then reviews the full file — rent, credit, equity, reserves, property, and loan purpose — to help match your scenario to the right loan lane and strongest fit.

Clear answers early. No surprises later.

 

Get A DSCR Loan Quote Call Today 888-677-2526

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Darrin and team is superb! I had a stress free less than 30 day closing on my new investment property purchase. They did a “No Doc” loan for me where they only had a credit report requirement. The team is very responsive and kept me updated…

Sharmila S.

We used HomeLife for a bank statement loan since we are self employed and this was a fantastic experience! The entire team, Jayne, Darrin, Esther and everyone at HomeLife was a pleasure to work with and super responsive. I would highly recommend…

Amber A.

I would highly recommend Darrin Seppinni for your loan. I am here to say you do not have to go anywhere else. This great man and his wife Jayne and their staff got my wife and I a loan on a home with a 21 day escrow in the hottest sellers’ market…

Douglas Pettibone

I can't say enough good things about this company. Without them, I'd not be in the new home we dreamed of. As long as my tax returns don't support the mortgage value I need, these guys will be my first call! I've already referred 3 friends...

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