Real Estate Investment Calculators
Run the numbers on your next fix & flip, rental, or loan payment in seconds — free, no signup required.
Run the Numbers on Your Next Flip
Get an instant estimate of your project cost, profit, and ROI.
*Estimates for informational purposes only and do not constitute a loan offer. Actual terms depend on deal specifics and underwriting.
Check Your DSCR
All fields are monthly figures unless noted.
This calculator is for estimate purposes only. Actual qualification, minimum DSCR, and pricing are determined by underwriting guidelines and may vary by program.
Calculate Your Loan Payment
Estimate your monthly payment for an interest-only or amortizing loan.
*Estimates for informational purposes only and do not constitute a loan offer. Actual terms depend on deal specifics and underwriting.
What Is DSCR?
Debt Service Coverage Ratio (DSCR) measures whether a rental property's income covers its own debt payment. It's calculated as:
DSCR = Annual Net Operating Income ÷ Annual Debt Service
A DSCR of 1.0 means rental income exactly covers the monthly payment. Above 1.0 means the property cash flows positively; below 1.0 means the property's rent alone doesn't fully cover the debt payment.
- 1.25+ — Strong, well above typical minimums
- 1.00–1.24 — Common qualifying range for many DSCR programs
- 0.75–0.99 — May still qualify with select programs at adjusted leverage
- Below 0.75 — Talk to an advisor about ways to improve cash flow or structure
All calculators on this page are for estimate purposes only. Actual qualification, pricing, and terms are determined by underwriting guidelines and may vary by program.
Talk to an AdvisorCalculator FAQs
What is a good DSCR for a rental loan?
Many DSCR loan programs look for a ratio of 1.0 or higher, meaning the property's rental income fully covers its monthly debt payment. A DSCR of 1.25 or above is generally considered strong. Some programs allow ratios below 1.0 with adjustments to leverage or pricing.
How is DSCR calculated?
DSCR is calculated by dividing a property's monthly gross rental income by its total monthly debt service, which includes principal, interest, taxes, insurance, and HOA dues where applicable (PITIA).
How is fix and flip ROI calculated?
Fix and flip ROI is estimated by subtracting your total project cost (purchase price plus rehab budget) and estimated financing costs from the after repair value (ARV), then dividing that profit by your total project cost.
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