DSCR Calculator — Debt Service Coverage Ratio
Calculate the debt service coverage ratio for your rental property and see if you qualify for a DSCR loan.
DSCR Loans: A Game Changer for Real Estate Investors
DSCR loans have become one of the most popular financing tools for real estate investors since 2020. Unlike conventional investment property loans that require W-2s, tax returns, and personal income verification, DSCR loans qualify based entirely on the property's rental income relative to its debt payments. This makes them ideal for self-employed investors, those with multiple properties, and retirees living on investment income.
In 2026, DSCR loan rates typically run 0.5-1.5% higher than comparable conventional loans, and minimum credit scores are usually 680-720. Most lenders require 20-25% down payment and a minimum DSCR of 1.0-1.25. The trade-off — higher rate for no income documentation — is often worth it for investors who would face significant friction in the conventional qualification process.