DSCR Loan Calculator for California Rental Properties
Free Calculator · Rental Property Loans
See whether a rental qualifies on its own cash flow. Enter the rent, loan and property costs to get the debt service coverage ratio (DSCR) lenders use, plus your monthly cash flow and the rent needed to reach a 1.25 DSCR.
How this calculator works
PITIA = principal & interest + property taxes + insurance + HOA, per month.
DSCR = monthly rent ÷ PITIA.
Principal & interest uses a 30-year amortized payment, or loan × rate ÷ 12 for interest-only.
Cash flow = rent after vacancy and management − PITIA.
Rent needed for 1.25 DSCR = PITIA × 1.25.
DSCR loan questions
What is a DSCR loan?
A debt service coverage ratio loan qualifies an investment property on its rental cash flow instead of the borrower's personal tax returns, which makes it popular with self-employed investors and those who own several rentals.
What DSCR do lenders look for?
Many DSCR programs start at a ratio of 1.00, meaning rent covers the full payment, and a ratio of 1.25 or higher is considered strong. Programs below 1.00 exist but usually require more down payment or a higher rate.
How do I calculate DSCR?
Divide monthly rent by PITIA. For example, $4,200 in rent against a $4,056 PITIA (a $480,000 loan at 7.5% plus $550 taxes and $150 insurance) gives a DSCR of about 1.04.
Does V Nation offer DSCR loans in California?
Yes. V Nation's statewide California DSCR programs qualify borrowers on the subject property's rental cash flow rather than traditional personal tax return documentation.
Ready to finance a rental?
Get a DSCR quote based on the property's numbers.
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