Run the numbers first.
Talk to a broker second.
CalculateDSCR is a calculator-first toolkit for rental investors. Check the ratio, size the loan, model the cash-out — then, if it pencils, have a licensed mortgage broker shop it with wholesale lenders.
Built like an instrument, not a sales funnel.
Your inputs, nothing assumed
No pre-filled rate, no hidden assumptions. Every result traces back to a number you typed, so you can defend it.
Plain-English read-outs
A ratio is just a number. Each calculator explains what yours means, what usually happens next, and which lever moves it.
A broker, not a lender
When the math works, we arrange and shop the scenario across wholesale lenders and lay the options side by side.
From spreadsheet to term sheet in four steps.
Model it
Use the calculators with your own rent, expenses and quoted rate.
Stress it
Bump insurance, trim rent, test a higher rate. Know your margin.
Send it
Submit the scenario. A licensed team member reviews the numbers.
Compare it
We shop wholesale lenders and show you the options side by side.
Five tools. Zero default rates.
DSCR Calculator
Rent ÷ (P&I + taxes + insurance + HOA). The core ratio, with a plain-English read-out.
BERBreak-Even Rent
The monthly rent a property needs to hit a 1.00 ratio, or any target ratio you choose.
MAXMax Loan by DSCR
Solve backward: the largest loan the rent supports at your target ratio, rate and term.
EQCash-Out Equity
Gross and net cash available at the loan-to-value you enter, after payoff and costs.
STRShort-Term Rental DSCR
Three-season occupancy model turning nightly rates into a monthly DSCR.
Business-purpose programs for non-owner-occupied rentals.
DSCR Loans
Qualify on the property’s rent-to-payment ratio instead of personal income documents.
Details →DSCR Cash-Out Refinance
Pull equity out of a stabilized rental, sized against value and rent coverage.
Details →Short-Term Rental DSCR
Financing for vacation and nightly rentals underwritten on projected or trailing booking income.
Details →2-4 Unit & Small Multifamily
Rent-roll based financing for duplexes, triplexes, fourplexes and small apartment buildings.
Details →Portfolio & Blanket DSCR
One loan across several rentals when individual loans start to get unwieldy.
Details →The number an underwriter computes first is the one you should compute first.
Most rental deals that fall apart do so on inputs, not on the formula: a tax bill that resets after the sale, an insurance quote nobody pulled, a market rent below the lease. Our calculators and guides are designed to surface those problems at your desk, before an appraisal is ordered.
Quick answers
What is a DSCR loan?
A DSCR loan is business-purpose financing for an investment property that qualifies primarily on the debt service coverage ratio — the property’s rent divided by its monthly housing expense — rather than on the borrower’s personal income documents.
How do I calculate DSCR?
Divide monthly gross rent by the monthly total of principal and interest, property taxes, insurance and HOA dues. Our DSCR Calculator does this from numbers you enter, including a rate you supply yourself.
Is CalculateDSCR a lender?
No. CalculateDSCR is a brand of Loan Daddy LLC, NMLS #2827624, a licensed mortgage broker. We arrange and shop financing from wholesale lenders. The lender you choose funds the loan and makes the credit decision.
Why don’t your calculators show a default interest rate?
Pricing depends on the market and on your specific scenario, so any pre-filled rate would be stale or misleading. Every rate field is blank; enter the rate from a quote you have or test several to see the range.
Can I use a DSCR loan for a home I will live in?
No. We only arrange business-purpose loans for non-owner-occupied investment property. Primary residences, second homes and any property you or your family will occupy are not eligible, and our intake form will not accept those requests.
Send the scenario. We’ll shop it.
Tell us the basics and a licensed team member will review your numbers. For the full intake — value, property type and notes — use the complete request form.
Business-purpose loans for non-owner-occupied investment property only. We are a mortgage broker, not a lender.