NMLS #139369
DSCR Calculator
Calculate your Debt Service Coverage Ratio to see if your investment property qualifies for a DSCR loan.
Property Details
$500$10,000
$100K$2M
20%50%
5%12%
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Your DSCR
0.94
Risk-Contained
Qualifies with 25-30% down. Risk offset by equity.
Monthly Breakdown
Loan Amount$300,000
Principal & Interest$2,098
Taxes & Insurance$550
Total PITIA$2,648
Monthly Rent$2,500
Cash Flow-$148/mo
Lock your rate now. Most investors do.
Because DSCR loans use rental income, your rate depends on today's market. Rates change daily. Locking now means your payment stays fixed.
Today's Rate
7.5%
$2,797/mo
If +0.5%
8.00%
+$138/mo
No hard credit pull. No commitment until closing. Cancel anytime.
Rate locked. Timeline set. We take it from here.
Waiting means tracking rates manually, recalculating each week, and restarting if rates rise.
No credit pull. No commitment. Cancel anytime. That's handled.
Amortization Schedule
Total Principal
$300,000
Total Interest
$455,152
Total Cost
$755,152
| Year | Principal | Interest | Balance |
|---|---|---|---|
| Year 1 | $2,766 | $22,406 | $297,234 |
| Year 2 | $2,980 | $22,192 | $294,254 |
| Year 3 | $3,212 | $21,960 | $291,043 |
| Year 4 | $3,461 | $21,711 | $287,582 |
| Year 5 | $3,730 | $21,442 | $283,852 |
Interest to Principal Ratio Over Time
Year 1
11% P
Year 15
31% P
Year 30
96% P
Principal Interest