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Calculate your Debt Service Coverage Ratio to determine if your investment property qualifies for a DSCR loan. No personal income verification required - the property's cash flow is what matters.
Calculate your Debt Service Coverage Ratio to see if your property qualifies for a DSCR loan. Most lenders require a minimum DSCR of 1.0-1.25.
Maintenance, management, utilities, etc.
This calculator provides estimates only. DSCR requirements vary by lender. Contact us for a personalized loan quote based on your specific property.
Key Takeaways
The Debt Service Coverage Ratio (DSCR) is the single most important metric lenders use to evaluate investment property loans. It measures whether the property generates enough income to cover its debt obligations with a comfortable margin.
DSCR = Annual Net Operating Income ÷ Annual Debt Service
1.0-1.25
minimum DSCR ratio required by most lenders
Source: Fannie Mae
No W-2s
required - DSCR loans qualify based on property cash flow, not personal income
Source: Clear House Lending Market Data
620-680
minimum credit score typically required for DSCR loans
Source: Clear House Lending Market Data
75-80%
maximum LTV for DSCR investment property loans
Source: Freddie Mac Investor Resources
DSCR is calculated by dividing the property's annual Net Operating Income (NOI) by the annual debt service (total loan payments including principal, interest, taxes, insurance, and HOA). A DSCR of 1.25 means the property generates 25% more income than needed to cover debt payments.
Most lenders consider a DSCR of 1.25 or higher to be 'good' and will offer the best rates. A DSCR of 1.0 is the minimum (break-even), while 1.5+ is considered excellent. Some lenders offer sub-1.0 DSCR programs with additional requirements.
No, DSCR loans qualify based on the property's rental income, not your personal income. This makes them ideal for self-employed investors, those with complex tax situations, or investors looking to scale beyond conventional loan limits.
A DSCR below 1.0 indicates negative cash flow. While most lenders require at least 1.0, some specialized lenders offer 'no-ratio' or sub-1.0 DSCR programs. These typically require larger down payments, higher credit scores, and significant cash reserves.
If your DSCR qualifies, our team can connect you with 6,000+ lenders to find the best rates for your investment property.
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