A DSCR (debt-service coverage ratio) loan qualifies an investment property on its rental income rather than your personal income. The loan amount is sized so the rent covers the property's total payment at your target DSCR ratio.

What DSCR ratio do I need?

Most DSCR lenders require a minimum ratio of 1.0, some as high as 1.35. A few allow as low as 0.75, often with a slightly higher rate.

How much down payment is required?

Most DSCR lenders require 20% down, though some programs allow as little as 15%.

Investor · DSCR · Purchase

DSCR Investment Purchase Loan Payment Calculator

Qualify on rental income, not personal income. Estimate your loan, payment, monthly cash flow, and your projected 15- and 30-year equity, cash flow, tax savings, and ROI.

Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer

Purchase Price

Down Payment Percentage 15%

Most DSCR lenders require 20%; some allow as little as 15%.

Estimated Rental Income

Check Zillow for comparable rentals.

DSCR Ratio

Rent ÷ total PITIA. Most lenders want ≥ 1.0; a few allow 0.75.

Estimated Interest Rate 7.49%

Annual Insurance

Annual Taxes

Monthly HOA

Tax Bracket %

Used to estimate your depreciation tax benefit.

Are you thinking about buying another home after this one to continue your wealth journey?

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Summary

Maximum Loan per Rent$484,350To increase, raise the rent or lower the DSCR ratio (note: at 0.75, raise the rate ~0.5%).

Desired Loan Amount$364,000

Net Monthly Income (Cash Flow)$841

Payment Breakdown

Principal & Interest Payment$2,543

Monthly Insurance$200

Monthly Taxes$417

HOA Paid Separately$0

Total Monthly Housing Expense$3,159

Cash to Close

Cash Out of Pocket — without seller credit$84,000Includes 6% estimated closing costs; varies by state. Not a Loan Estimate.

Cash Out of Pocket — with 3% seller credit$72,000

15-Year Growth

Estimated Value (15 yrs)$623,187Assumes 3% annual appreciation.

Mortgage Balance (15 yrs)$274,452

Equity (15 yrs)$348,735

Cash Flow Collected (15 yrs)$187,630

Income Tax Saved — Depreciation (15 yrs)$41,891

Total Return (15 yrs)$578,255

Annual ROI % (15 yrs)12.08%After ~25% business expenses (management, vacancy, capex).

30-Year Growth

Estimated Value (30 yrs)$970,905Assumes 3% annual appreciation.

Equity (30 yrs)$970,905Mortgage fully paid after 30 years.

Cash Flow Collected (30 yrs)$479,951

Income Tax Saved — Depreciation (30 yrs)$83,782

Total Return (30 yrs)$1,534,638

Annual ROI % (30 yrs)9.75%

See My Options

Estimates only — not a commitment to lend. Not tax advice.

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Important Disclaimer

This calculator is for illustrative purposes only and does not constitute financial, legal, investment, or tax advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor and a tax professional before making decisions.

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DSCR Investment Purchase Loan Payment Calculator

By Jim Blackburn

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