Rate Quote Tool

DSCR Loan Calculator

Estimate your rate, monthly payment, and qualification status in seconds. No personal income needed — just your property numbers.

Property & Loan Details

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Borrower & Property Info

DSCR Ratio

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Rental Income / PITIA

Loan-to-Value (LTV)

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Estimated Rate Range

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30-year fixed, full amortization

Est. Monthly Payment (P&I)

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Principal & interest only, excludes escrow

Est. Cash to Close

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Qualification Status

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Start My ApplicationTalk to a Specialist

This calculator provides estimates only. Actual rates, terms, and qualification depend on full underwriting review, property appraisal, and lender guidelines. Rates are subject to change without notice. This is not a commitment to lend or a loan approval. Contact a Preme Home Loans specialist for a personalized quote. NMLS 2560616.

Frequently Asked Questions

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies borrowers based on the property's rental income rather than personal income. If the property's rent covers the mortgage payment, you can qualify — no tax returns or W-2s needed.

What DSCR ratio do I need to qualify?

Most lenders require a minimum DSCR of 0.75, meaning the property's rental income covers at least 75% of the total mortgage payment (PITIA). A DSCR of 1.25 or higher typically gets the best rates and most lender options.

How are DSCR loan rates determined?

DSCR loan rates depend on several factors: your DSCR ratio, credit score, loan-to-value (LTV), property type, and loan purpose. Higher DSCR ratios, higher credit scores, and lower LTVs all lead to better rates.

Can I get a DSCR loan with no rental history?

Yes. Many DSCR lenders accept market rent projections from an appraiser, even if the property has no current tenants. This is common for purchase transactions and newly renovated properties.