DSCR Calculator — Does Your Rental Property Qualify?
Calculate your Debt Service Coverage Ratio instantly. A DSCR of 1.0 or higher generally means your rental property qualifies for a DSCR loan — no W-2s or tax returns required.
DSCR Calculator
Your DSCR
1.25
Strong
Excellent DSCR loan candidate
Monthly rental income
$3,000
Total monthly debt service
$2,400
Your property generates $1.25 for every $1.00 of monthly debt service — excellent dscr loan candidate.
What Is DSCR and Why Does It Matter?
The Debt Service Coverage Ratio (DSCR) measures a rental property's ability to cover its own mortgage payment using rental income. Lenders use DSCR to qualify real estate investors without requiring personal income documentation — no W-2s, no tax returns, no personal DTI calculation.
A DSCR of 1.0 means the property's rental income exactly covers the mortgage payment. A DSCR above 1.0 means the property generates more income than it costs to finance — the higher the DSCR, the stronger the loan candidate.
Most DSCR lenders require a minimum DSCR of 1.0–1.25. Some lenders offer No-Ratio DSCR programs (DSCR below 1.0) for strong borrowers with significant equity or reserves.
DSCR Loan Quick Facts
No Personal Income Required
DSCR loans qualify based entirely on the rental property's income — not your W-2, tax returns, or personal debt-to-income ratio.
All Property Types
Available for single-family rentals, 2-4 unit properties, condos, townhomes, and short-term rentals (Airbnb/VRBO) throughout Southern California.
No-Ratio Programs Available
Some lenders offer DSCR loans even when DSCR falls below 1.0 — contact us to discuss eligibility based on equity and reserves.
Close in Your LLC
Many DSCR lenders allow title to be held in an LLC or other entity — ideal for investors managing a portfolio of properties.
Quick Answer
How is DSCR calculated for a rental property loan?
The Debt Service Coverage Ratio (DSCR) is calculated by dividing a rental property's monthly gross rental income by its total monthly debt service (principal, interest, taxes, insurance, and HOA fees). A DSCR of 1.0 or higher means the property generates enough rental income to cover its mortgage payment — qualifying the borrower for a DSCR loan without W-2s or tax returns. Cascada Mortgage Advisors, Inc. (NMLS #398944, CA DRE #02206556) offers DSCR loans for real estate investors throughout San Diego County and all of Southern California, arranged through a network of 100+ wholesale lenders.
— Cascada Mortgage Advisors, Inc.
Frequently Asked DSCR Questions
What Our Investor Clients Say
What Our Clients Say
Lycia Cardoso
4 months ago
We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!
Patrick Yrigoyen
8 months ago
Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!
Iris Urvina
8 months ago
Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!
Amy Genao
10 months ago
Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!
Jorge Zambada
8 months ago
Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.
Lycia Cardoso
4 months ago
We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!
Patrick Yrigoyen
8 months ago
Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!
Iris Urvina
8 months ago
Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!
Amy Genao
10 months ago
Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!
Jorge Zambada
8 months ago
Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.
Ready to Apply for a DSCR Loan?
Whether your DSCR is 1.5 or you're exploring No-Ratio options, we'll find the right program from our network of 100+ wholesale lenders — no W-2s or tax returns required.
¿Prefiere hablar en español? Ofrecemos servicio bilingüe completo.