Free DSCR calculator

DSCR Calculator for Rental Property

Screen DSCR, cap rate, and cash-on-cash in seconds — the same metrics commercial lenders use before approving a DSCR loan.

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Rental inputs

Purchase price

Down payment

Interest rate

Loan term (years)

Monthly rent

Vacancy

Taxes / mo

Insurance / mo

Maintenance / mo

Management fee

HOA / mo

Live DSCR snapshot

CONDITIONALLender-style screening — not a loan approval

1.02xDSCR

6.26%Cap rate

0.50%Cash-on-cash

$36Cash flow / mo

$21,926NOI / yr

$21,489Debt service / yr

Most DSCR lenders want 1.20–1.25+. Use the full Property Analyzer for AI verdicts, stress tests, and lender-ready PDF export.

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Need BUY/PASS reasoning, risk flags, and PDF for your LO?Try the Property Analyzer free →

When to use this vs. the Property Analyzer

This lightweight calculator is built for fast DSCR screening — ideal for loan officers and investors comparing rate scenarios before sending a deal to underwriting. When you need AI verdict language, risk flags, map context, and a lender-ready PDF, use the full Property Analyzer.

Read the strategy guide: DSCR Loans in 2026