Step 1 of 3 — Your Information
Let's get started
Enter your details to access the free DSCR calculator.
Please fill in all fields to continue.
Your info is never sold or shared. 100% secure.
Step 2 of 3 — Loan Type
What are you looking to do?
Select the option that applies to your investment property.
Step 3 of 3 — Purchase Calculator
Purchase DSCR Calculator
Fill in your property details — results update automatically.
Loan Details
Monthly Expenses (PITIA)
Step 3 of 3 — Refinance Calculator
Refinance DSCR Calculator
Fill in your property details — results update automatically.
Loan Details
Monthly Expenses (PITIA)
Common Questions
Everything About DSCR Loans
What is a DSCR loan and how does it work?
A DSCR (Debt Service Coverage Ratio) loan is a non-QM mortgage designed for real estate investors. Instead of using personal income, lenders evaluate whether the property's rental income is sufficient to cover its debt obligations. The formula is: DSCR = Gross Rental Income ÷ PITIA (Principal, Interest, Taxes, Insurance, and Association fees). A ratio of 1.0 or higher generally qualifies, with 1.25+ considered strong.
How do you calculate DSCR for a rental property?
Divide the property's monthly gross rental income by its total monthly PITIA payment. For example, if the property earns $2,500/mo in rent and the total monthly payment (principal, interest, taxes, insurance, HOA) is $2,000, the DSCR is 1.25 — an excellent ratio. Our free calculator above does this math instantly as you type.
What DSCR ratio is needed to qualify?
Most lenders require a minimum DSCR of 1.0 (break-even). A ratio of 1.25 or higher is considered strong and unlocks the most competitive interest rates. Some lenders offer programs with DSCR below 1.0 with compensating factors like higher credit scores or larger down payments. Contact Loanoligi to explore your options.
Do DSCR loans require W-2s or tax returns?
No — that is the core advantage of a DSCR loan. Loanoligi does not require personal tax returns, W-2s, pay stubs, or employer verification. This makes DSCR loans ideal for self-employed borrowers, investors with significant write-offs, and those with complex income structures. Qualification is based entirely on the property's cash flow.
What property types are eligible for a DSCR loan?
Loanoligi's DSCR loan programs cover single-family rentals, 2–4 unit multifamily properties, condos, townhomes, and short-term rentals (Airbnb/VRBO). All properties must be non-owner-occupied investment properties. LLC financing is also available.