Investors
DSCR Loan Calculator
Debt Service Coverage Ratio: check if your rental income qualifies for an investor loan without income verification.
Property & Loan Details
DSCR Analysis
Your DSCR
0.94x
Below Minimum, Does Not Qualify
Monthly Rent Income
$3,500
P&I Payment
$2,797
Taxes + Insurance
$917
Total Debt Service
$3,714
1.0x DSCR (minimum)
Rental income equals debt service
Needs $3,714/mo rent
✗ Short1.1x DSCR (standard)
10% cushion above debt service
Needs $4,085/mo rent
✗ Short1.25x DSCR (preferred)
Best rates, most lenders
Needs $4,642/mo rent
✗ ShortMax Loan at 1.25x DSCR: $269,350 (based on current rent, taxes, insurance, and HOA)
DSCR Loans in Florida
Get Investor Financing
No income verification required, qualify based on property cash flow. Get connected with DSCR lenders today.
DSCR Facts
What is DSCR?
Debt Service Coverage Ratio = Gross Rental Income ÷ Total Monthly Debt Service. Lenders want DSCR ≥ 1.0 (income covers debt).
No income docs required
DSCR loans don't require W-2s or tax returns. The property's income qualifies the loan, ideal for investors with complex returns.
South Florida DSCR
Short-term rental income (Airbnb/VRBO) may be counted using market rent or actual income. Verify with your lender.
How the DSCR loan calculator works
This tool qualifies an investment loan on the property's income rather than your personal pay stubs. It divides annual income (net operating income, or in many lender programs the gross rent) by annual debt service, the yearly loan payments. The result is the debt service coverage ratio, and lenders typically want at least 1.20 to 1.25.
Suppose a rental brings $3,200 a month, or $38,400 a year, and the loan payment runs $2,400 a month, or $28,800 a year. Dividing $38,400 by $28,800 gives a DSCR of about 1.33 as an example. That clears a common 1.25 threshold, meaning the rent covers the debt with room to spare.
DSCR loans suit South Florida investors buying condos and single-family rentals across the eight counties without documenting personal income. Because approval leans on rent, local factors like HOA dues, insurance premiums, and seasonal vacancy matter: they cut into the income side of the ratio and can push a marginal deal below the lender's minimum.