DSCR Loan Calculator for Investors
Calculate the Debt Service Coverage Ratio for your Tennessee investment property. DSCR determines whether the property's rental income supports the mortgage payment.
Property details
Purchase price$300,000
Down payment25% ($75,000)
Interest rate7.5%
Monthly gross rent$2,200/mo
Annual property taxes$3,000/yr
Annual insurance$1,500/yr
Monthly HOA$0/mo
DSCR Results
Debt Service Coverage Ratio
1.13
Acceptable — qualifies with most DSCR lenders
Loan amount$225,000
Monthly P&I$1,573
Monthly PITIA$1,948
Monthly gross rent$2,200
Monthly cash flow (rent - PITIA)$252
DSCR thresholds
≥ 1.25 — Strong. Best rates and terms from most DSCR lenders.
1.0–1.24 — Acceptable. Qualifies with most lenders at standard pricing.
0.75–0.99 — Possible with some lenders at higher rates and down payment.
< 0.75 — Very limited options. Consider a larger down payment.
Get DSCR loan pricing
Morgan Hardy works with multiple DSCR lenders and can find the best pricing for your property's DSCR ratio. Contact Morgan to discuss your investment property financing.
Contact Morgan Hardy