How to calculate DSCR

Our debt service coverage ratio calculator uses the following formula:

Minimum acceptable DSCR

Most lenders want a minimum ratio of 1:1, but some will do no ratio. No ratio means that they do not care if the gross rental income is greater than the total housing payment.

If your property doesn't ratio, it is riskier to the bank, so the interest rate and upfront fees will be higher. The better the ratio, the better the terms your property will qualify for.

What is a 1.25 DSCR?

A 1.25 DSCR means that the income from your property will be able to cover the total debt service related to your property and have enough left over for an income for you.

1:1 exactly represents the amount needed to cover the loan, while 0.50 represents the amount that is left over.

For example, if your total housing payment (PITIA) is $1,000 and yoru gross monthly income is $1,250, your DSCR would be 1.25.

DSCR Calculator

Monthly Housing Payment (PITIA)

$
$
$
$

Income Produced by Property

$

Debt Service Coverage Ratio

Get DSCR Rate

DSCR Calculator

Monthly Housing Payment (PITIA)

$
$
$
$

Income Produced by Property

$

Debt Service Coverage Ratio

Get DSCR Rate

How to calculate DSCR

Our debt service coverage ratio calculator uses the following formula:

Minimum acceptable DSCR

Most lenders want a minimum ratio of 1:1, but some will do no ratio. No ratio means that they do not care if the gross rental income is greater than the total housing payment.

If your property doesn't ratio, it is riskier to the bank, so the interest rate and upfront fees will be higher. The better the ratio, the better the terms your property will qualify for.

What is a 1.25 DSCR?

A 1.25 DSCR means that the income from your property will be able to cover the total debt service related to your property and have enough left over for an income for you.

1:1 exactly represents the amount needed to cover the loan, while 0.50 represents the amount that is left over.

For example, if your total housing payment (PITIA) is $1,000 and yoru gross monthly income is $1,250, your DSCR would be 1.25.

Debt Service Coverage Ratio: No-Income Mortgage Loan

Designed for Real Estate Investors

  • Qualify Based on Rental Income Only!

  • No Personal Income Needed to Qualify!

  • Interest Only Options Available!

  • Fund Into Corporation or LLC

  • No Pre-Pay Options

  • AirBnB's Allowed

Answer a Few Quick Questions and Get Rates and Loan Options Today!

Get Rates and Terms With No Credit Check Required!

Get Rates as of 02/22/2025

Are you a first Time Investor?

Are you purchasing, refinancing, or cashing out?*

How much cash out are you trying to get?

How long have you owned the property?

Where are you at in the purchase process?

What is the price range of the properties you are looking at purchasing?

What state will the property be in?

Select option

What type of property are you planning on purchasing?

What is the purchase price of the new property?

(approximation is fine)

Do you plan to hold title to your investment properties in an entity?

Are you planning on renting out as a short-term or long-term rental?

What is the address of the property?

*This will allow us to determine the estimated value of the property

Is this property rented as a short-term or long-term rental?

Do you have 12 month rental history?

Estimate Your Credit Score

Bankruptcy, short sale, or foreclosure in the last 3 years?

Do you own a primary residence?

Full Name

Get Rates and Terms With No Credit Check Required!

🔒 Your Information is secure

Email Address

We Take Privacy Seriously. No Spam!

🔒 Your Information is secure

Enter Your Phone Number and You're All Done!

Complete This Final Step to Get Rates, terms & Calculate Payment

Cell Phone

0%

🔒 This site is secure

STEP 1

Apply Online or Call Directly

Find out how much home you can buy or discover how much you can save by refinancing.

STEP 2

Review What You Can Qualify for Options

Learn your learn exactly how much you qualify for and what you would save by working with .

STEP 3

Get Loan Approval in 24 Hours

Get mortgage loan approval to move forward with your property.


100% Secure. We value your privacy.

By submitting your email and phone number in the form(s) on our site, you give consent to receiving occasional emails and SMS text messages about special offers, or other information, from us.

License Info


Steve White - CEO/Owner

Personal NMLS: 1645199

Company NMLS: #2185425

NMLS Consumer Access Lookup Tool

Contact Info

305-514-0078

[email protected]

1395 Brickell Ave Ste 846 Miami, FL 33131

About Us

We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life.

Copyright © 2025 | | All rights reserved