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FREE INVESTOR TOOLS

The DSCR Calculators

Five calculators, one page: screen a purchase, size a cash-out, project a BRRRR loop, compare returns, and solve your borrowing power backwards. Every number in The 2026 DSCR Investor Guide came from these tools.

Will this property qualify for a DSCR loan?

Find out in 60 seconds.

Skip the tax returns, pay stubs, and DTI math. DSCR loans qualify on one thing: whether your rental property's income covers the mortgage payment.

Property & Loan Details
$
$
25%
7.75%
$
$
$
Your DSCR Result
Debt Service Coverage Ratio
1.00
Qualifies
Your property cash flows at or above 1.0 DSCR: strong qualification across most programs.
Loan Amount$318,750
Principal & Interest$2,284
Taxes$400
Insurance$117
HOA$0
Total PITIA$2,801
Monthly Cash Flow$399

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Cash-Out Refinance DSCR

Calculate post-refinance DSCR after pulling cash out: see if your rental income covers the new loan.

Current Property & Loan
$
$
$
New Loan Terms
$
%
30
$
Your Post-Refi DSCR
Post-Refinance DSCR
:
Enter your numbers
Enter your current property value, existing loan, rental income, and the new loan amount to see your post-refinance DSCR.
Cash Out at Closing :
New Monthly Payment :
Monthly NOI Change :
Post-Refi DSCR :
Typical minimum DSCR: 1.0 (1.25 recommended for approval). DSCR below 1.0 means rental income doesn't cover the mortgage: you must supplement with personal funds.

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Estimates only. Actual DSCR depends on verified NOI, credit, and asset documentation. This is not a commitment to lend.

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Cash-out DSCR estimates. Actual DSCR based on verified rental income and loan terms.

BRRRR Loop Projection

Buy · Rehab · Rent · Refinance · Repeat: project your investor loop.

Deal Inputs
$
$
$
%
Refinance Inputs
%
%
Operating Inputs
$
%
$
Multi-Cycle Projection
3
$
Single Cycle Results
Cash Back at Refi
:
Enter your numbers
Total Cash Invested $205,000
Refi Loan Amount $233,750
Holding Costs $7,875
Net Out of Pocket -$28,750
Cash is recycled for the next deal.
Cycle Projection
Portfolio ARV
$825,000
1 cycle to milestone
Total Monthly Cash Flow $3,640
Total Debt $701,250
Cycle Invested Cash Back Portfolio ARV
1 $205,000 : $275,000
2 $159,875 : $550,000
3 $114,750 : $825,000

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Plan Your BRRRR
Estimates only. Actual returns depend on actual rehab costs, rent, and refi terms. This is not a commitment to lend.

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BRRRR estimates. Actual returns depend on actual rehab costs, rent, and refi terms.

Cash-on-Cash & Cap Rate

Side-by-side investor metrics: Cap Rate and CoC: to evaluate rental property deals.

Purchase & Financing
$
%
%
yr
$
$
Income & Expenses
$
%
%
Your Metrics
Cap Rate
:
Enter your numbers
Cash-on-Cash Return
:
Enter your numbers
Enter purchase price, down payment, rent, and expenses to calculate your Cap Rate and Cash-on-Cash return.
Purchase Price:
Cash Invested:
Effective Gross Income (Annual):
Operating Expenses (Annual):
NOI (Annual):
Annual Debt Service:
Annual Cash Flow:
Benchmarks: Cap Rate ≥6% = good (varies by market). CoC ≥8% = strong investor return.

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These are estimates. Actual returns depend on vacancy, expenses, and financing. Consult a tax professional.

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Investor Flex: Max Borrowing Capacity

Given a property's expected rent, find the largest loan that still hits your DSCR target.

New Property
$
$
%
%
$
Loan Terms
%
30
1.25x
Your Maximum Loan
Max Loan Amount at Target DSCR
:
Enter your numbers
Enter the property's purchase price, expected rent, and your target DSCR to see how much you can borrow.
Effective Annual Rent :
Annual Operating Expenses :
Net Operating Income (NOI) :
Max Annual Debt Service :
Implied LTV :
Required Down Payment :
How this works: Max loan = the loan amount whose monthly payment leaves your DSCR exactly at your target. Higher rents or lower target DSCR raise your borrowing power.

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Estimates only. Actual max loan depends on verified rents, credit, reserves, and lender overlay. Not a commitment to lend.

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Borrowing-capacity estimates. Real max loan depends on full underwriting (income, credit, reserves, property type).