DSCR Loan Calculator / Quote From

DSCR Loan Calculator / Quote Form

The DSCR Calculator

Instantly model your deal's DSCR and Cash Flow viability (30-Year Term Assumed).
Submit your results for a Quote from one of our Loan Experts.

(Borrower and Property Information is only need to submit a quote to one of our experts)

Borrower & Property Details

Borrower Information

First Name *

Last Name *

Email Address *

Approx. FICO Score *

Phone Number *

Property Address

Street Address *

City *

State *

Zip Code *

Property/Rental Details

Property Type *

Number of Units *

Rental Type *

Investment Inputs

Purchase Price / Cost Basis *

Estimated Property Value (Appraisal) *

Down Payment Percentage (%) *

DP is calculated against the Purchase Price.

Annual Interest Rate (%) - (30 Yr Term Assumed) *

Estimated Monthly Rent (GSI) *

Calculated Est. Prepaids/Title Fees

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Estimated for 3mo T&I + $2k Title/Recording fees.

Monthly Property Taxes *

Monthly Property Insurance *

Monthly HOA Fees (Enter 0 if None) *

Investor OpEx Estimate (%) (Optional)

Used for Investor Cash Flow/Cap Rate only (Vacancy, R&M, CAPEX).

(* = Required for submission. Opens email client with pre-formatted report body.)

Analysis Results

Debt Service Coverage Ratio (DSCR)

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*Calculated using Gross Scheduled Income (GSI) directly as NOI.

Enter values to calculate.

Monthly Principal & Interest (P&I)

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Total Mandatory Monthly Payment (PITI + HOA)

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Loan-to-Value (LTV)

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Loan Amount ÷ Appraisal Value

Loan-to-Cost (LTC)

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Loan Amount ÷ Purchase Cost

1. Down Payment (Equity Outlay)

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2. Estimated Lender Fees (3% of Loan)

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3. Calculated Prepaids/Title/Recording Fees

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TOTAL Estimated Cash-to-Close (1+2+3)

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Capitalization Rate (Cap Rate)

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Estimated Monthly Net Cash Flow

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Cash-on-Cash Return (CoC)

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Disclaimer & Important Notes

This calculator provides estimates based on your inputs and a fixed 30-year amortization schedule. Actual loan terms, rates, fees, and DSCR calculations used by lenders may vary.
**DSCR Calculation:** This tool uses Gross Scheduled Income (GSI) directly as Net Operating Income (NOI) for the DSCR ratio (`GSI / Total Debt Service`). This is a common method for some DSCR products, but other lenders may use a different, more conservative NOI calculation (e.g., GSI minus Vacancy, R&M, etc.).
**Lender Fees:** Estimated at 3% of the calculated Loan Amount. This is an estimate only.
**Prepaids/Title Fees:** This is an estimated total based on 3 months of Property Taxes and 3 months of Insurance (for escrow setup) plus a fixed $2,000 for Title/Recording/Misc. fees.
**Not a Loan Offer:** The results of this calculator do not constitute a loan offer, guarantee of approval, or commitment to lend. All figures require verification and approval by a qualified loan expert.