Does This Property Cash Flow?

No W-2 needed. Just rent and numbers. Enter your rental income and loan details to calculate your Debt Service Coverage Ratio and find out instantly if this property qualifies for a DSCR loan.

DSCR Calculator — LoanSome Dough
Property Details
Monthly Gross Rent$2,400
$
$500$10K
Loan Details
Purchase Price / Loan Amount$320,000
$
$50K$2M
Down Payment$64,000 (20%)
$
15%40%
Interest Rate7.500%
%
4%15%
Loan Term
Monthly Expenses (PITIA)
Property Tax (monthly)$320
$
Insurance (monthly)$120
$
HOA (monthly)$0
$
Your DSCR Ratio
1.24
Debt Service Coverage Ratio
✓ Qualifies
0.751.01.251.5+
$2,400Monthly rent
$1,938Total PITIA
$1,498P&I payment
$462Monthly cash flow
DSCR Qualification Guide
Below 1.0Does not qualify
1.0 – 1.19Limited options
1.20 – 1.24Most lenders OK
1.25+Strong — best rates
What is DSCR?

DSCR = Monthly Rent ÷ Total Monthly PITIA. A ratio above 1.0 means the property pays for itself. Most lenders require 1.20–1.25 minimum. No personal income docs needed.

This calculator provides estimates for informational purposes only and does not constitute a loan commitment or a pre-approval. Actual qualificiation depends on credit score, lender guidelines and full underwriting review.

Roxy Miles
NMLS#2464939

Complex Loans. Fun Lender.
Self-employed, retired and high-net-worth borrowers who don't fit traditional lending. Bank statement loans, asset depletion, reverse mortgages, jumbo financing and first lien HELOC strategy.