DSCR Calculator — Arizona
Estimate your Debt Service Coverage Ratio to help evaluate whether your investment property may meet common DSCR loan thresholds. Results are estimates only — actual qualification depends on lender guidelines, credit, and program terms.
DSCR Loan Qualification Calculator
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property mortgage that qualifies borrowers based on the rental income of the property rather than personal income. This makes it ideal for real estate investors, self-employed borrowers, and anyone who may not qualify for a traditional mortgage.
The DSCR is calculated by dividing the property's gross rental income by the total monthly debt obligations (principal, interest, taxes, and insurance). A ratio of 1.0 means the property breaks even; above 1.25 is typically considered strong by most lenders.
DSCR Formula:
DSCR = Monthly Gross Rent ÷ (P&I + Taxes + Insurance)