Calculator
DSCR calculator for rental refinances
Planning to refinance a hard money loan into a 30-year DSCR rental loan? Check whether the rent covers the new payment. Lenders generally want 1.0–1.25; below 1.0 means lower leverage or a higher rate.
DSCR
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- Net operating income (annual)
- Monthly P&I (30-yr)
- Annual debt service (P&I)
Most DSCR lenders compute the ratio as rent ÷ PITIA with vacancy and management at 0%; this tool lets you stress-test with both. Leave them at 0 for the lender view.
Get real quotes for this deal →Improving a thin DSCR
- Reduce the loan amount (lower LTV) — the lever you control.
- Buy down the rate with points.
- Shop insurance; it is often the most inflated line in PITIA.
- Document higher market rent with a rent survey before the appraisal.
- Consider a 10-year interest-only DSCR option to lower the payment used in the ratio.
Read DSCR loans explained.