Use our DSCR Calculator to evaluate property cash flow and loan eligibility. Calculate your Debt Service Coverage Ratio instantly with REIF Loans.
Understanding your property’s cash flow is key to securing financing and maximizing returns. The Debt Service Coverage Ratio (DSCR) Calculator from REIF Loans helps investors measure whether a property generates enough income to cover its debt payments.
Whether you’re applying for a DSCR loan or evaluating potential investments, our calculator delivers clear, accurate insights in seconds.
The Debt Service Coverage Ratio (DSCR) is a financial metric used by lenders to determine a property’s ability to pay its mortgage obligations from its net operating income (NOI).
Formula:
DSCR = Net Operating Income / Total Debt Service
Example:
If a property generates $12,000 in annual NOI and the mortgage payments total $10,000, then the DSCR is 1.20.
That means the property earns 20% more income than needed to cover its loan payments, a healthy ratio in the eyes of most lenders.
Enter income, expenses, and loan details to calculate DSCR or discover the maximum loan amount for a target DSCR. All values are estimates.
Operating expenses exclude mortgage principal and interest and any non cash items like depreciation.
Our DSCR Calculator uses your property’s income and expense data to compute the Debt Service Coverage Ratio. It helps you estimate loan eligibility before applying, saving time and improving loan strategy.
Our calculator is designed for accuracy and simplicity, helping both new and experienced investors make informed financing decisions.
A DSCR Loan Calculator goes beyond a simple ratio, it helps estimate how much financing your property may qualify for.
Use it to plan refinancing, acquisitions, or portfolio growth strategies with confidence.
If your DSCR is below 1.0, it doesn’t mean you’re out of options. REIF Loans offers strategies to help investors improve their ratios and strengthen loan applications.
Our advisors can help you build a financing plan that enhances your property’s cash flow and long-term value.
 Most lenders prefer a DSCR of 1.20 or higher for strong loan qualification.
Yes, appraisers can use market rent estimates if the property isn’t yet leased.
Yes. DSCR loans can use averaged or documented Airbnb and VRBO income.
Yes. DSCR metrics are used in both domestic and foreign national loan programs.
No. DSCR loans qualify based on property cash flow, not personal income.
Ready to see how your investment property performs? Our Debt Service Coverage Ratio Calculator helps you analyze deals, prepare for financing, and make confident decisions before you apply.
