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DSCR Loan Calculator

A DSCR loan qualifies on the property's cash flow, not your personal income. Enter the rent and the numbers on your deal to see the debt-service coverage ratio (DSCR) and whether it pencils.

By Mike Certo, NMLS #260555,

Estimator only. No rates are quoted here; you enter your own scenario. Confirm live numbers with us.

Deal inputs

Income
Market rent, or the in-place lease. For a short-term rental, use a conservative monthly average.
Financing
DSCR rates move daily and depend on the ratio, credit, and reserves. Enter an estimate; Mike gives you a live quote.
Carrying costs
Use the county assessor's figure for the property, or your best estimate.

Your DSCR

, rent ÷ PITIA
Enter your interest rate to calculate.
Loan amount$0
Principal & interest$0
Property tax$0
Insurance$0
HOA$0
Total PITIA (monthly)$0
Gross monthly rent$0
What this leaves out: real returns also depend on vacancy, repairs and maintenance, property management (often 8-10% of rent), and capital expenses. A deal that clears 1.00 on paper can still be tight in a bad month, so keep reserves. DSCR is the lender's qualifying test, not your whole return picture.

Talk to an investor-loan specialist about your deal

Want Mike Certo (Cornerstone First Mortgage, NMLS #260555) to run this DSCR on a live scenario and quote it? Our team calls you back shortly. No commitment, no pressure.

Estimates only. Not a commitment to lend. Actual DSCR loan terms depend on full underwriting including the appraisal, market rent (1007/1025), credit, reserves, and program guidelines. No interest rate is quoted on this page; figures use the rate you enter. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.

Using this calculator for a Kansas property

Kansas assesses residential property, multi-family included, at 11 1/2% of value, and the county mill levy applies to that assessed figure rather than to market value. Use the parcel’s actual annual bill.

This calculator takes your inputs and does arithmetic. It quotes no rate, no payment and no program terms, and it is not a loan offer. When you want the real numbers, we pull the parcel and run the actual full PITIA.