Interactive DSCR Engine
Analyze Investment Property Deals Instantly
Slide or enter property parameters below to see your Debt Service Coverage Ratio in real-time. Designed specifically for business-purpose investment property scenario evaluation.
Property Inputs
$3,500
$800
$2,500
Broker, not a lender.Company NMLS #2827624.No owner-occupied scenarios.
Calculation Verdict
Provide rental income & mortgage inputs to view coverage ratio.
DSCR Matrix
1.25+Stronger scenario. May support broader LTV options, more competitive pricing, and lighter reserve requirements depending on program guidelines.
1.10+Standard qualifying tier. Requires stable reserves. Loan options may vary by location.
<1.10High risk. Cash flow does not cover debt comfortably. Requires stronger sponsors/reserves or larger down payment.
What is DSCR?
DSCR (Debt Service Coverage Ratio) is a key metric lenders use to evaluate investment property loans. It measures whether a property generates enough rental income to cover its debt obligations.
DSCR Formula
DSCR = Net Operating Income (NOI) / Debt Service What DSCR Ratio Do You Need?
- 1.50+ (Strong): Best rates and terms available
- 1.25-1.49 (Good): Qualifies for most DSCR programs
- 1.10-1.24 (Acceptable): May qualify with stronger reserves
- 1.00-1.09 (Tight): Limited options, higher rates
- Below 1.00 (Poor): Does not qualify for most DSCR loans
Why Use a DSCR Calculator?
Our free DSCR calculator helps you:
- Quickly evaluate investment property deals
- See if you qualify for DSCR financing
- Compare different loan scenarios
- Get instant results as you type
Ready for a Broker Review?
Submit your business-purpose investment property scenario and Loan Daddy LLC will review it as a broker, not a lender.
- ✓ Business-purpose investment property scenarios only
- ✓ Broker review through licensed wholesale lender options
- ✓ DSCR, rent, expenses, and debt-service assumptions reviewed
- ✓ No approval, rate, or funding commitment is made by this calculator