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Calculate Your Debt Service Coverage Ratio

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Cash Flow (Annual)
Cap Rate
Cash on Cash Return
DSCR Rate
Loan Amount
Down Payment
Mortgage Payment
Total Monthly Debt Service
Origination Fee Amount
Total Closing Costs
Cash Needed to Close
Price per Unit
Gross Rental Income
Effective Rental Income
Operating Expenses
Net Operating Income
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This calculator is for educational purposes only. Results are estimates and do not constitute a loan offer or guarantee. Actual DSCR requirements vary by lender. Please consult a licensed mortgage professional to review your full financial picture before making any financing decisions.

Why DSCR Loans Are a Total Game-Changer

Forget about those tricky personal income requirements—DSCR loans only care about your property’s performance. That means less hassle for you and more opportunity to scale your investments. Think about it

  • No W2s
  • No tax returns
  • Just you, your property, and its earning power

What Are DSCR Loans Used For?

Here’s where it gets fun! You can use DSCR loans for ->

The best part? You’re building a portfolio with loans designed to support your growth. And with our DSCR calculator, you’ll know right away if you’re ready to score the financing you need.
  1. Rental properties—cash flow, baby!
  2. Fix and flips—time to transform and profit.
  3. Short-term rentals—Airbnb goldmine, anyone?

Let’s Make Moves!

At My Perfect Mortgage we know that success is all about having the right tools. Our DSCR calculator is here to help you win in real estate. Ready to see your numbers? Give it a try, and let’s get you closer to locking down that next investment deal. Ready to move forward? Let’s get you pre-qualified and take the next step toward securing your DSCR loan today!
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