Run your numbers before you make an offer. Enter the property details below to estimate your Debt Service Coverage Ratio, monthly cash flow, and whether the investment may qualify for DSCR financing.
DSCR loan calculator
Monthly payment (P&I)
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Total monthly debt
--
P&I + taxes + insurance
Monthly cash flow
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Rent minus total debt
DSCR ratio
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Rent ÷ total debt
DSCR strength--
0.0 (weak)1.0 (break-even)1.5+ (strong)
Step 2 — Verify rental data
Your rent estimate is only as good as your data. Use the GemHaus Property Analyzer
below to get real long-term and short-term rental income projections for any address — then plug the actual number back into the calculator above.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is a mortgage built for real estate investors. Instead of qualifying based on your personal income or tax returns, lenders evaluate whether the property's rental income can cover its mortgage payment.
No income docs requiredQualify based on the property, not your W-2 or tax returns.
Works for most property typesSingle-family, multifamily, short-term, and long-term rentals.
Scale your portfolio fasterNo limit tied to personal debt-to-income ratios.
Faster closingsLess documentation means a quicker path from offer to close.
Common questions
What DSCR do I need to qualify?
Most lenders look for a DSCR of 1.0 or higher, meaning rent covers the full debt payment. Some programs allow ratios below 1.0 with a higher down payment. Stronger ratios typically unlock better rates and terms.
Can I use short-term rental income for DSCR?
Yes, many lenders accept projected Airbnb or VRBO income for DSCR qualification. Lenders typically use a platform income report or a market rental analysis to establish the figure.
Do I need to show personal income?
DSCR loans are designed to minimize personal income documentation. Most programs do not require tax returns, W-2s, or pay stubs — making them especially useful for self-employed investors and those with complex income.
Is this calculator an approval or commitment?
No. The calculator provides estimates based on the numbers you enter. Actual loan approval depends on lender guidelines, property appraisal, borrower credit, and other underwriting factors.
How many investment properties can I finance?
DSCR loans are not subject to conventional loan limits on the number of financed properties, making them a strong choice for investors building larger portfolios.
Talk to a DSCR loan specialist at Bonelli Financial. No pressure, no lengthy application — just straight answers.
