Get real pricing in about 60 seconds: live rates, fees, payments, and DSCR ratio. See your scenario without a call or a sales pitch.
Indicative ranges only; rates change daily. See Program Guidelines for eligibility and program details. Use the calculator above for live pricing.
DSCR loans qualify a borrower based on a rental property’s income — not your personal W-2 income, tax returns, or debt-to-income ratio. That makes them the standard tool for real estate investors growing portfolios beyond what conventional financing would allow. Because DSCR mortgages are priced as investor-property debt rather than owner-occupied debt, comparing them to a standard 30-year primary-residence rate misses the point — the underwriting logic, risk profile, and pricing tiers are entirely different.
DSCR (Debt Service Coverage Ratio) is the ratio of a property's monthly rental income to its monthly loan payment (PITI: principal, interest, taxes, and insurance). A DSCR of 1.22 means the property earns 22% more than its payment. Most DSCR lenders require at least 1.15 to 1.20, and stronger ratios unlock better pricing.
Loan-to-value (LTV) is how much you're borrowing versus the property's appraised value. 75% LTV means a 25% down payment. Lower LTV reduces lender risk, so it almost always earns a better rate — and the pricing improvement at 65% or 70% LTV can be material.
Your rate is priced live from four inputs: DSCR, LTV, property type, and FICO score. Higher DSCR, lower LTV, and stronger credit each move the rate down a tier. The calculator above shows the exact pricing tier you qualify for in real time, with the same logic our lenders use at lock.
Single-family rentals, 2-4 unit properties, condos, townhomes, and short-term rentals (Airbnb / VRBO) are all eligible for DSCR financing. The calculator lets you select property type and adjusts pricing automatically — short-term rentals and 2-4 units price slightly different from long-term single-family.
Most DSCR calculators online give you a ratio and stop there — or they hold the result behind a contact form before showing results. This DSCR loan calculator gives you rate, payment, and qualification in about 60 seconds, with no name, email, or phone number required.
Enter the property’s monthly rent, your estimated taxes, insurance, and any HOA dues, then the purchase price and loan amount you are considering. The calculator returns your DSCR ratio, an estimated interest rate based on your credit and loan-to-value, your monthly payment broken down by principal, interest, taxes, insurance, and association dues (PITIA), and where your deal lands against program guidelines.
Run multiple scenarios in real time by changing rent, down payment, or purchase price.
DSCR loan rates have historically priced about 0.50% to 1.25% above a conforming 30-year fixed rate. That is a range, not a number. Where you land inside it comes down to three inputs:
Your DSCR ratio. The more cash flow the property throws off relative to the payment, the lower your rate. A 1.25+ DSCR prices better than a break-even 1.0.
Your loan-to-value. More equity means less lender risk and a better rate. The lowest pricing goes to lower-LTV deals.
Your credit score. Higher FICO pushes you toward the bottom of the rate range. Most programs start at a 660 minimum, with the best pricing at 720 and above.
Because these three move together, two investors can get very different DSCR loan interest rates on the same property. The only way to know your actual number is to run your scenario. A published “average rate” tells you almost nothing about what your deal prices at.
DSCR loans are typically structured as 30-year fixed loans, with interest-only and 40-year options available on many programs to improve cash flow. Rates change daily with the broader market, so the figure you see is indicative. The calculator pulls current pricing rather than a stale placeholder.
DSCR (debt service coverage ratio) is the property’s monthly rent divided by its total monthly payment (PITIA):
DSCR = Monthly Rent ÷ Monthly PITIA
A DSCR of 1.0 means the rent exactly covers the payment. A DSCR of 1.25 means the property generates 25% more income than the payment requires. For interest-only loans, the calculation uses the interest-only payment, which raises the ratio.
Most lenders floor their programs at a 1.15 DSCR minimum. This program goes down to 1.0, so a property at break-even cash flow still qualifies, with no-ratio options available for strong-equity scenarios where the rent does not fully cover the payment.
DSCR loans qualify on the property’s cash flow, not your personal income. There are no W-2s, no tax returns, and no employment verification. Four factors determine whether you qualify and what rate you get: your DSCR ratio, your loan-to-value, your credit score, and the property type.
LTV limits: single-family purchases and rate-and-term refinances cap at 80% LTV. Cash-out refinances pull back to 75%. Two-to-four unit and small multifamily properties follow their own tiers.
Credit score: most programs require a 660 minimum. Scores of 720 and above qualify for the best rates and highest LTV options.
DSCR floor: this program goes down to 1.0, so a break-even property still qualifies. No-ratio options are available for strong-equity scenarios where the rent does not fully cover the payment.
Property types: single-family rentals, condos, townhomes, 2-4 unit properties, and short-term rentals (Airbnb, VRBO) all qualify. The calculator adjusts pricing automatically by property type.