DSCR Direct

How the DSCR Affordability Calculator Works

This calculator works backward from your investment goals. Instead of starting with a purchase price and seeing if the numbers work, you start with the cash flow you want and the down payment you have available. The calculator then determines the maximum property price that meets your criteria while maintaining a healthy DSCR ratio for loan qualification.

DSCR loans qualify based on the property's rental income - not your personal income. The DSCR ratio is simply monthly rent divided by the total monthly payment (principal, interest, taxes, insurance, and HOA). Most DSCR lenders look for a ratio of 1.0 or higher, with the best rates available at 1.25 and above.

The calculator accounts for property taxes (estimated from your tax rate and the calculated purchase price), insurance, and HOA to give you a realistic maximum purchase price. Keep in mind that actual rates depend on your credit score, LTV, and property type - use the DSCR Direct pricer for exact rate quotes.

Once you have a target price range, use the free DSCR Direct pricer to pull live rates from hundreds of lenders and see exactly what your payment and rate would be on a specific deal.