DSCR Calculator
DSCR financing qualifies on what the property earns, not on your tax returns. Enter the numbers below to see where a deal lands before anyone pulls your credit.
Preliminary Calculations
Two DSCR numbers, and why they differ
Most DSCR lenders size a loan on gross market rent divided by PITIA — principal, interest, taxes, insurance and HOA. That is the number a term sheet is written against, and it is the one shown first above.
The second number is stricter: net operating income, after vacancy, management and maintenance, divided by principal and interest alone. It is what the property actually does once someone has to run it. A deal can clear the lender test at 1.05 and still lose money every month.
Programs commonly start around 1.00, and some go to 0.80 with compensating factors. Below 1.00 you are covering the shortfall out of pocket. Requirements vary by program, credit and leverage, and they change.
About the rate
The rate field ships blank on purpose. DSCR pricing tracks the 10-year Treasury rather than the Fed funds rate, and it moves. For reference, the 10-year closed at 4.70% on 24 August 2026; DSCR programs price at a spread above that, and the spread depends on credit, leverage, property type and whether the payment is interest-only.
Enter the rate you were quoted, or a rate you want to test. If you do not have one, send the deal over and it will be priced against what the capital markets are actually doing that week — not against a number printed on a web page weeks earlier.
Send this deal for review
Numbers look workable? Submit the property and ACP Lending will come back with real terms. Lower credit scores and smaller loan balances that the national lenders decline are handled here.
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Estimates only. Not a commitment to lend or an offer of credit.