Calculadora DSCR para Propiedades de Inversión
What is a good DSCR for an investment property?
Enter your investment property's purchase price, expected monthly rent, interest rate, and expenses into the calculator above. It computes your Debt Service Coverage Ratio, cash flow, and cap rate — and tells you whether the property meets typical DSCR loan requirements of 1.0-1.25.
DSCR Loan FAQ
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies based on the property's rental income rather than your personal income. If the property's rental income covers the mortgage payment (DSCR of 1.0 or higher), you can qualify — making it ideal for real estate investors with complex tax returns.
Most DSCR lenders require a minimum ratio of 1.0-1.25, meaning the property's gross rental income must be 100-125% of the total monthly mortgage payment (PITIA). A DSCR of 1.25 means the property generates 25% more income than needed to cover the debt. Some lenders offer programs down to 0.75 DSCR with higher rates.
DSCR is calculated by dividing the property's gross monthly rental income by the total monthly debt service (principal, interest, taxes, insurance, and association dues — PITIA). For example, if monthly rent is $2,500 and PITIA is $2,000, the DSCR is 1.25.
DSCR loans don't require personal income verification, tax returns, or employment history — the property's income qualifies the loan. This benefits self-employed investors, those with multiple properties, or borrowers whose tax write-offs reduce their reportable income. You can also close in an LLC for asset protection.