Maximize Your Rental Property Investments

Enrich Loans’ Debt Service Coverage Ratio (DSCR) Calculator gives investors a simple way to evaluate cash flow and financing potential—without digging through tax returns or personal income documents. Whether you’re adding your first rental or scaling a growing portfolio, our tool helps you quickly see if the property’s income can support the mortgage.

Why DSCR Loans Matter

A DSCR loan is built specifically for real estate investors. Instead of relying on W-2s, pay stubs, or tax returns, lenders assess the property’s rental income to determine whether it can comfortably cover the monthly mortgage payment.

How the DSCR Calculator Works

Use the calculator above to estimate your DSCR and see if your property may qualify for DSCR financing.

Step 1: Enter Your Property Details

• Monthly Rental Income (Gross)
• Monthly Principal & Interest
• Property Taxes and Insurance (Optional)

Step 2: Calculate

The tool generates your DSCR ratio—the key metric lenders use to determine eligibility and pricing.

DSCR Formula:

DSCR = Monthly Rental Income ÷ Monthly Debt Obligation

DSCR Loan Ratio Meaning?

• 1.0 — Property income covers the mortgage
• 1.0 to 1.24 — May qualify with compensating factors (credit, reserves, LTV)
• 1.25+ — Preferred range showing strong cash flow
• Below 1.0 — Possible with certain lenders using IO payments or lower LTV

Contact an Enrich Loans loan officer for DSCR solutions—even for low or near break-even ratios.