DSCR Qualifier
Will your property qualify for a DSCR loan? Check qualification, see rate sensitivity, and find your max purchase price.
DSCR of 1.37 — Standard qualification.
Qualifies with most DSCR lenders at standard rates.
DSCR
1.37
Net Operating Income divided by annual debt service. 1.25+ is standard, 1.0+ is minimum.
Monthly Cash Flow
$386
Net monthly income after all operating expenses and mortgage payment.
Annual NOI
$17,213
Net Operating Income — gross rental income minus vacancy and operating expenses, before debt service.
Cash Flow Breakdown
What It Takes to Hit 1.25 DSCR
Max Purchase Price
$218,821
at 75% LTV
Min Monthly Rent
$2,151
at current price & rate
DSCR by LTV
| LTV | Loan | Payment | DSCR |
|---|---|---|---|
| 65% | $130,000 | $909 | 1.58 |
| 70% | $140,000 | $979 | 1.47 |
| 75% | $150,000 | $1,049 | 1.37 |
| 80% | $160,000 | $1,119 | 1.28 |
DSCR by Interest Rate
| Rate | Payment | DSCR |
|---|---|---|
| 6.0% | $899 | 1.59 |
| 6.5% | $948 | 1.51 |
| 7.0% | $998 | 1.44 |
| 7.5% | $1,049 | 1.37 |
| 8.0% | $1,101 | 1.30 |
| 8.5% | $1,153 | 1.24 |
| 9.0% | $1,207 | 1.19 |
Next step: compare DSCR loan options
Your DSCR of 1.37 clears the 1.25 standard, so you should see the widest lender options and best pricing. Final terms depend on the lender's own underwriting — Kiavi funds DSCR loans for investors and is worth comparing as you shop a few.
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