Estimate Your DSCR Loan

DSCR Loan Calculator

Use our rate calculator to estimate the loan amount, monthly payment, and DSCR ratio for a rental property — in under 2 minutes. No credit pull, no commitment, no contact info required to see your numbers.

Open the calculator Call (410) 855-4600
Rental property exterior
DSCR Calculator
2 minAverage time to a rate estimate
NoCredit pull during estimation
LivePricing from our underwriting team
The Calculator

Estimate your loan in under two minutes

Plug in three numbers and see where the deal lands — live, with no commitment and no credit pull.

What you enter
  • Purchase price (or estimated value, if refinancing)
  • The loan amount you want
  • Projected gross monthly rent
What you get back
  • Estimated interest rate at today's market
  • Monthly principal & interest
  • Total monthly PITIA (taxes, insurance, HOA)
  • Your DSCR ratio at those inputs
  • Max loan that still hits a 1.0x DSCR
  • Estimated cash-to-close (closing costs & reserves)
Live estimate
Numbers update as you type · no commitment · no credit pull
The Math

How DSCR is calculated

The ratio
DSCR=Gross Monthly Rent÷Monthly PITIA
1.0x
Rent exactly covers the full payment — our minimum to qualify.
1.25x
Rent is 25% above the payment — the margin many investors target.

Our minimum is 1.0x; higher DSCR typically unlocks better pricing and higher LTV.

Full DSCR ratio guide →
Reading Your Result

What your number tells you

Below 1.0x

Increase the rent assumption with a higher-rent comp justification, or reduce the loan amount.

Above 1.2x

You may qualify for better pricing — submit a full quote for real rates from our underwriting team.

Rehabbing first

Use post-rehab numbers. Our bridge loan covers the rehab; the DSCR refi qualifies on the stabilized rent.

Checklist

Documents you'll need

A typical complete file looks like this.

Property address (or rough estimate if you don't have one yet)
Purchase price or current estimated value
Loan amount you want
Gross monthly rent (current lease or projected market rent)
Estimated property taxes (the calculator pulls a county estimate if you don't know)
HOA fees if applicable

Common Questions

Will this calculator pull my credit?
No. The calculator gives you an estimate based on the property numbers you enter and our current pricing matrix. We only pull credit when you submit a full quote and are ready to move forward.
How accurate is the estimated rate?
Very close — we use the same pricing matrix our underwriting team uses on day one. The final rate can move slightly based on factors like FICO score, property condition, and timing, but the estimate is the right ballpark.
Can I use the calculator for a refinance?
Yes. Enter the property's current value as the purchase price, the loan amount you want, and the rent. The calculator will show you both rate-and-term and cash-out scenarios.
What if my DSCR comes out below 1.0x?
The calculator will show you the maximum loan amount that hits 1.0x — that's the most you can borrow at the current rent. You can also try a higher rent (with comp justification) or look at a different property.
Do you have a calculator for bridge / fix-and-flip loans?
Yes — the same calculator works for both. Toggle to bridge mode and enter your rehab budget and ARV. You can also use the Deal Sizer for a quick first pass on fix-and-flip economics.
Can I share my result with a partner or broker?
Yes. The result page has a shareable link you can send. The link only includes the inputs you entered — no personal information.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites the file — not an algorithm or a remote committee.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Investor Education

From the Blog

Investor playbooks and explainers from our team. See the full library on our blog.

View All Posts

55+ investor guides covering DSCR, bridge loans, fix-and-flip, BRRRR, market updates, and more.

Browse the blog →

Ready to talk about your deal?

Get a quote in 24 hours or call us right now.

Open the calculator Call (410) 855-4600
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