DSCR Calculator

What’s a DSCR Loan? Let’s Break It Down.

A DSCR loan is your ticket to financing investment properties without worrying about your personal income. That’s right! Lenders only care about one thing: can your property cover its own debt? They use the DSCR to figure that out. The higher your DSCR, the more confident lenders are in your investment.

Here’s the magic formula:

Debt Service Coverage Ratio = Net Operating Income (NOI) / Debt Payments

And with our DSCR calculator, you’ll know exactly where you stand. Punch in your numbers, and boom—your DSCR is ready in seconds.

Want to Dive Deeper Into DSCR Loans? Understand everything there is to know about DSCR loans and how they can help grow your portfolio.
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How the DSCR Calculator Works (It’s Simple, I Promise)

You don’t need a finance degree for this one. Just add two key things:

1. Your Net Operating Income (NOI)—that’s the money your property makes.

2. Your monthly debt payments—like mortgage, interest, etc.

Hit ‘calculate,’ and you’ll see your DSCR instantly. If your ratio is 1.25 or higher, you’re in the sweet spot to qualify for a DSCR loan. Easy!

Why DSCR Loans Are a Total Game-Changer

Forget about those tricky personal income requirements—DSCR loans only care about your property’s performance. That means less hassle for you and more opportunity to scale your investments. Think about it:

• No W2s

• No tax returns

• Just you, your property, and its earning power.

What’s Considered a Good DSCR?

You’re aiming for a DSCR of 1.25 or higher. That’s like saying your property makes 25% more than what’s needed to cover the debt. The higher, the better. If your DSCR is above 1.5? You’re in prime position. Below 1? You’ve got some work to do.

What Are DSCR Loans Used For?

Here’s where it gets fun! You can use DSCR loans for:

• Rental properties—cash flow, baby!

• Fix and flips—time to transform and profit.

• Short-term rentals—Airbnb goldmine, anyone?

The best part? You’re building a portfolio with loans designed to support your growth. And with our DSCR calculator, you’ll know right away if you’re ready to score the financing you need.

Finished Your Rehab? Refinance with a DSCR Loan and Pull Out Equity

Just wrapped up a rehab on your investment property? Now’s the perfect time to refinance with a DSCR loan and pull out equity to fuel your next deal. With a DSCR loan, you can leverage your property’s cash flow, refinance, and keep building your portfolio. It’s like the BRRR method—buy, rehab, rent, refinance, repeat—but with even more flexibility. Ready to unlock your equity and keep growing? Learn How →

Let’s Make Moves!

At REInvestor Guide, we know that success is all about having the right tools. Our DSCR calculator is here to help you win in real estate. Ready to see your numbers? Give it a try, and let’s get you closer to locking down that next investment deal. Ready to move forward? Let’s get you pre-qualified and take the next step toward securing your DSCR loan today!

Get Pre-Qualified

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