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
0.98x
Below Minimum — Does Not Qualify
Monthly Rent Income
$3,500
P&I Payment
$2,797
Taxes + Insurance
$758
Total Debt Service
$3,555
1.0x DSCR (minimum)
Rental income equals debt service
Needs $3,555/mo rent
✗ Short1.1x DSCR (standard)
10% cushion above debt service
Needs $3,911/mo rent
✗ Short1.25x DSCR (preferred)
Best rates, most lenders
Needs $4,444/mo rent
✗ ShortMax Loan at 1.25x DSCR: $291,994 (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.