INVESTOR TOOL
DSCR Loan Calculator
Estimate DSCR, PITIA, LTV, monthly cash-flow cushion, and an approximate loan amount at your target DSCR. Property type and rental strategy help point you toward the FastTrack program that may deserve a closer look.
Property & Loan Details
Planning estimate only. Lender rent calculations, qualifying expenses and program requirements vary.ESTIMATED RESULTS
DSCR—
Estimated PITIA—
Principal & interest—
Estimated LTV—
Rent above PITIA—
Approx. max loan at 1.20x target DSCR—Uses the inputs above. This is not a lender maximum or approval.
How this calculator works
Estimated DSCR = monthly qualifying rent ÷ estimated PITIA. PITIA here includes principal, interest, property taxes, insurance and HOA dues entered above. Some lenders may calculate qualifying income or expenses differently.
Why property type and rental strategy matter
They do not automatically change the arithmetic. They help identify which lender rules may matter next—especially for STRs, manufactured homes, co-living, multifamily and mixed-use properties.
Want the Lender Comparison Behind the Numbers?
The calculator is a planning tool. FastTrack can review the actual scenario across available lenders, including property type, rent method, credit, reserves, LTV, prepayment structure and pricing.
Compare My Loan OptionsBusiness-purpose investment properties only. Results are estimates, not a rate quote, approval or commitment to lend.INSIDE LENDERMATCH
See what a different loan structure can change
This separate example from LenderMatch’s Scenario Lab compares an original deal with a lower-LTV alternative. The sample figures are independent of your calculator inputs.
Original scenario
Lower-LTV alternative
Explore the trade-off: less loan proceeds, a lower estimated payment, and stronger coverage under the example’s assumptions. Select either image to enlarge.