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DSCR Rental Loan Pricing Calculator
DSCR loans qualify investor borrowers on property cash flow.
Max loan supported
$305,275
Max monthly payment
$2,240
Monthly NOI
$2,800
How the math works
NOI = rent − opex. Max payment = NOI / DSCR. Max loan = payment × annuity factor.
$3,500 − $700 = $2,800 NOI / 1.25 = $2,240 max payment. $305k max loan at 8% 30-yr.
How to Use
- Enter rental income / mo.
- Enter operating expenses / mo.
- Enter required DSCR.
- Enter interest rate %.
- Enter amortization years.
- Read max loan supported.
Frequently Asked Questions
What is a DSCR loan?
Investor-specific non-QM loan qualifying on property Debt Service Coverage Ratio (DSCR), not borrower personal income. DSCR = NOI ÷ annual debt service. 1.0 DSCR: breakeven. 1.25 DSCR: typical minimum. 1.5+: best pricing. LTV: up to 80%. Rate: 1.5-3% above QM. Most common for BRRRR investors, cash-out refinance of rentals, DSCR portfolio loans.
Rate by DSCR?
DSCR 1.0-1.1: +250-400 bps. 1.1-1.2: +200-300 bps. 1.2-1.3: +150-250 bps. 1.3-1.5: +100-175 bps. 1.5+: +75-150 bps. Plus LTV adjustments. Plus property-type adjustments (single-family: lowest, multifamily 5+: higher). Each layer adds 25-50 bps.
No personal income?
Correct — DSCR loans don't require W-2s, tax returns, or personal DTI. Real estate investor doesn't need to show personal income. But: credit score matters (680+ typical), reserves required (6-12 months debt service), experience preferred (not zero-experience borrowers). Some lenders require minimum 2 rentals already owned.
Common use cases?
(1) Scale-up rental portfolio (10+ properties). (2) BRRRR refinance after rehab-stabilization. (3) Portfolio loan combining 5-20 properties at once. (4) DSCR cash-out refi to fund next acquisition. (5) Interest-only investor financing. Institutional investor pipeline — most serious real estate investors use DSCR loans for 2nd+ properties after losing DTI capacity on conventional.
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