The DSCR Calculator is designed to give real estate investors a fast, clear view of their loan eligibility, based on the property’s cash flow, not personal income. Here’s how to get the most out of it:
This is the total gross rent you expect to collect from the property each month.
Add the following to calculate total monthly obligations:
The calculator will automatically compute your DSCR using the formula:
DSCR = Monthly Rental Income ÷ Monthly Expenses
Two quick steps: (1) price the interest rate; (2) estimate DSCR with your chosen rate.
Positive numbers improve price; negatives are hits.
| Factor | Adjustment (points) |
|---|---|
| Credit Score 760+ | +0.125 |
| Credit Score 740–759 | +0.050 |
| Credit Score 720–739 | +0.000 |
| Credit Score 700–719 | −0.100 |
| Credit Score 680–699 | −0.250 |
| Credit Score 660–679 | −0.400 |
| Credit Score 640–659 | −0.600 |
| Loan Purpose: Purchase | +0.00 |
| Loan Purpose: Refinance (No Cash Out) | −0.05 |
| Loan Purpose: Cash Out Refinance | −0.15 |
| Property: Single Family | +0.00 |
| Property: Multi-Family (2–4 units) | −0.05 |
| Property: Condo | −0.05 |
| Property: Non-Warrantable Condo | −0.25 |
| Rental Type: Long Term | +0.00 |
| Rental Type: Short Term (Airbnb/VRBO) | −0.125 |
| Interest-Only Option | −0.05 |
| DSCR ≥ 1.25 | +0.10 |
| DSCR ≥ 1.00 | −0.10 |
| DSCR ≤ 1.00 | −0.25 |
| Prepayment Penalty: 5 Years | +0.15 |
| Prepayment Penalty: 4 Years | +0.10 |
| Prepayment Penalty: 3 Years | +0.05 |
| Prepayment Penalty: 2 Years | +0.00 |
| Prepayment Penalty: 1 Year | −0.10 |
| No Prepay | −0.25 |
We carried forward your loan amount and chosen pricing from Step 1. Edit the income/expense items to see DSCR.
I can plug in the rent and expenses and instantly see if the property qualifies. No guessing. No spreadsheet.
Just real-time clarity.
Need quick capital to buy, renovate, and sell investment properties for profit?
Our Fix & Flip loans give you:
Before I even call a lender, I know whether a deal makes financial sense. It helps me filter out bad deals early and focus
on the ones that work.
By seeing how DSCR is calculated, I understand what lenders look for—so I can adjust my strategy or negotiate better.
What if I raise the rent? What if taxes are higher than I thought? I can tweak the numbers and instantly see the impact
on my DSCR.
No need for complex formulas—I get a clear result and a simple message: does it likely qualify, or not?
When I’m out looking at a property or at an auction, I can run the numbers on my phone in real time.
Complete the quick form to unlock your investment potential, we’ll respond promptly and get the ball rolling.
A Smarter Way to Finance Rental Properties
Looking to grow your rental portfolio without tax returns?
A DSCR loan might be your ideal solution. These investor-friendly loans qualify based on the property’s cash flow—not your income.
How Investors Turn Flips into Long-Term Wealth
What if you could flip a property and keep it for passive income?
Fix-to-rent loans make that possible—by financing both the rehab and the refinance into a 30-year DSCR loan.
Fix and Flip Loans Made Simple: Fast Capital for Fast Movers
Need quick cash to fund your next flip? Fix-and-flip loans are designed for speed, simplicity, and investor flexibility—no income verification required.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
“Acquisition & Rehab to DSCR, FMP made it seamless.They funded 80% of my duplex purchase and 100% of the rehab. Once the work was done, they refinanced me into a 30-year DSCR loan—lower payment, better cash flow. Smooth and simple!”
“They got my flip funded fast!” FMP delivered 75% of the purchase and 100% of the rehab—right on time for a competitive Fix & Flip. They understood the project, the numbers, and my goals. I made a hefty profit in just a few weeks and I’m coming back for the next one.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
