Temelios

DSCR Calculator

Check if your property qualifies for DSCR financing.

Divides NOI by annual debt service to check whether the property covers its own loan payments—the key metric for DSCR loans.

DSCR loans qualify based on property income, not personal income. Lenders require 1.20–1.25+ DSCR. Knowing this before applying saves time.

1
Enter annual NOI: Gross rent minus vacancy minus operating expenses.
2
Enter annual debt service: Monthly P&I × 12.
3
Read DSCR: Above 1.25: likely qualifies. Below 1.0: property income doesn't cover the loan.

Annual NOI ($)

Monthly Debt Service ($)

Annual Debt Service$11,400

DSCR1.26

AssessmentStrong — often meets DSCR lender requirements (1.25+)

•Lender minimums: most DSCR lenders require 1.20–1.25 DSCR; some require 1.25–1.30 for maximum LTV. Below 1.0 means the property doesn't cover its own debt and lenders will decline.
•DSCR lenders may use actual rent, market rent, or a blend — confirm with your lender which rental income figure they use before applying.
•Stress-test your DSCR at higher rates: model the impact of a 1–2% rate increase (relevant for ARMs, bridge payoffs, or future refinances) on whether you still qualify.
•DSCR loans are priced on property income, not personal income — they're useful for investors with complex income (self-employed, multiple LLCs) but typically carry slightly higher rates than conventional loans.
•A DSCR just above the lender minimum (e.g., 1.21) is fragile. A small rent decrease or expense increase can push you below threshold on future refinances.

Want the full picture?

These calculators use your assumptions. Temelios pulls real comps and census data so your vacancy, rent, and expense inputs are grounded in reality.