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Investor tools: DSCR Calculator
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DSCR Loans Made Simple

Qualify based on rental income, not personal income. Perfect for investors scaling portfolios. Fast, no-obligation pre-approvals with a licensed CA loan officer.

  • ✓No tax returns required (income-qualified by the property)
  • ✓LLC closings allowed; cash‑out OK
  • ✓1–4 unit, condos, and short‑term rentals considered

You'll be surprised what we have to offer!

Investor Pre-Approval

No obligation. No hard credit pull to view options.

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Licensed in California • NMLS #2398299 • Equal Housing Lender

Why DSCRShop?

We’re not just one lender — we’re a DSCR loan marketplace. DSCRShop partners with hundreds of investor‑friendly lenders nationwide. That means we can shop your scenario across programs to find the best available rates, terms, and approvals — whether you’re buying your first rental or scaling a portfolio.

Program Snapshot

Core Requirements

  • Typical minimum DSCR: 1.0–1.20 (some lenders accept down to 0.75)
  • Credit score usually 620–680+
  • Down payment typically 20–25%

Documentation

  • Lease/market rent evidence (e.g., appraiser’s rent schedule)
  • Appraisal; property can close in an LLC
  • Reserves may be required; no personal income docs

Property Types

  • 1–4 units, condos/townhomes
  • Long‑term & short‑term rentals (program‑dependent)
  • Cash‑out refinance available

Guidelines vary by lender and market. We’ll outline exact requirements with your scenario.

DSCR Calculator

Estimate your Debt Service Coverage Ratio (DSCR). DSCR = NOI ÷ Monthly Debt. Many lenders look for DSCR ≥ 1.00–1.20 depending on program.

Property & Loan

Income

Operating Expenses

Results

Loan Amount
—
Est. Monthly P&I
—
Effective Gross Income
—
Rent + other income minus vacancy
Operating Expenses
—
Mgmt + maint + utilities + TI/HOA
Net Operating Income (NOI)
—
DSCR (NOI ÷ Monthly Debt)
—
Get a DSCR Pre‑Approval

Estimates only. Programs vary by lender and market. This does not constitute a credit decision or commitment to lend.