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Rental Underwriting Calculator

DSCR Calculator — Debt Service Coverage Ratio

Check whether a rental property covers its own debt service. Enter monthly rent, operating expenses, and loan details for an instant DSCR and qualification tier.

Property & Loan

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DSCR Result

1.00
Debt Service Coverage Ratio
Standard qualifying

DSCR ≥ 1.20 typically qualifies for a Matrix DSCR loan at standard pricing.

<1.001.001.201.301.50+
Gross Annual Rent $0
– Vacancy & Credit Loss $0
Effective Gross Income (EGI) $0
– Operating Expenses $0
Net Operating Income (NOI) $0
Monthly Debt Service (P&I) $0
Annual Debt Service $0
DSCR = NOI ÷ Debt Service 0.00
Max Loan at 1.25 DSCR
$0
Approximate maximum loan size at your current NOI and rate that would hit a 1.25 DSCR floor.

Ready to fund the rental?

Matrix DSCR loans qualify on the property's rent — no tax returns, no W-2s. Up to 80% LTV, 30-year terms, LLC-friendly.

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