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DSCR Loan Calculator

Calculate DSCR ratio to understand how lenders evaluate rental property cash flow

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Get Your DSCR Quote – No SSN Required

Free DSCR loan calculator estimating rental income coverage for investment property financing
Texas DSCR loans up to $2M
Loan Amounts
Up to $2M+
Flexible DSCR Options
DSCR Loan types in Texas
Property Types
Single to 8+ Units
SFR, Condo, Multi-Family, STR
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Calculate DSCR - See If Your Investment Property Qualifies

Use our free DSCR (Debt Service Coverage Ratio) calculator to quickly assess whether your investment property meets common Texas DSCR loan guidelines. Get an instant snapshot of how lenders may evaluate your scenario.

Calculate DSCR Ratio
Full purchase price of the property
Down Payment 20% ($0 down)
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Loan Amount: $0
Annual interest rate
Gross monthly rent
Monthly amount
Hazard/landlord insurance
Enter 0 if none
Estimated DSCR 0.00x
Enter your numbers
Monthly Rent$0
Estimated PITIA$0
Principal & Interest$0
Monthly Cash Flow$0

How To Evaluate DSCR

This calculator provides an estimate of how lenders may analyze a property’s cash flow using rental income and PITIA expenses.

DSCR 0.80x+

Low Ratio
The property’s rental income covers approximately 80% of the monthly housing expense. Some lenders may permit a lower DSCR with stronger credit, additional reserves, or a lower loan-to-value ratio.

DSCR 1.00x+

Break Even
The property’s rental income generally covers the monthly housing payment. Many DSCR lenders offer standard financing options within this range.

DSCR 1.25x+

Strong Cash Flow
Stronger cash flow may provide access to more lender options, better pricing, and greater qualifying flexibility.

Important to Know

DSCR is not a strict pass/fail metric. Lenders also consider factors such as credit score, cash reserves, and loan-to-value ratio.

Some programs may allow DSCR ratios below 1.00x with compensating factors such as lower leverage, stronger reserves, or higher credit scores.

View DSCR Loan Requirements See DSCR Guidelines Explained
Calculator results are estimates only and provided for informational purposes. This is not a commitment to lend or guarantee of financing. All loans are subject to underwriting, credit approval, appraisal, and property qualification.
Understanding DSCR
WHAT IS DSCR?

Debt Service Coverage Ratio (DSCR) is the metric lenders use to determine whether a property’s rental income is sufficient to cover the mortgage payment and related expenses.

DSCR = Monthly Rental Income ÷ Monthly PITIA
P
Principal
I
Interest
T
Taxes
I
Insurance
A
HOA

What DSCR Do Lenders Look For?

General DSCR Guidelines
How Lenders View It
1.20+
Considered strong. Often qualifies for best rates.
1.00–1.19
Usually acceptable for most DSCR programs.
0.70–0.99
May still be financeable with strong one-off, lower LTV, or good credit.
Even if your DSCR is lower, options may still exist. Program guidelines vary.

Example DSCR Calculations

DSCR 1.25

Monthly Rent: $2,500
PITIA: $2,000

DSCR = $2,500 ÷ $2,000 = 1.25

Most lenders love this — strong positive cash flow.

DSCR 1.00

Monthly Rent: $2,000
PITIA: $2,000

DSCR = $2,000 ÷ $2,000 = 1.00

Break-even. Still typically financeable with strong LTV and credit.

DSCR 0.90

Monthly Rent: $1,800
PITIA: $2,000

DSCR = $1,800 ÷ $2,000 = 0.90

Slightly negative cash flow. Some lenders may still consider based on profile and LTV.

Why Work With a Texas DSCR Specialist?

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Flexible Underwriting

Financing options available for lower DSCR ratios, unique property types, and complex investment scenarios.

DSCR - New Purchase
DSCR - Refinance

Get Your DSCR Quote – No SSN Required