Calculator
DSCR calculator for a rental refinance
Test the loan before you apply for it. Enter the property's rent and costs, then the loan amount and the rate from a quote you are evaluating. The ratio updates as you type.
Debt service coverage ratio
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To calculate, add: monthly rent, loan amount, interest rate.
How to read the result
The debt service coverage ratio is gross monthly rent divided by the full monthly payment: principal and interest, plus taxes, insurance and association dues (PITIA). At 1.00, rent exactly covers the payment. Above 1.00, rent exceeds it. Below 1.00, the property needs money from elsewhere each month.
Each wholesale lender sets its own minimum ratio and its own rules for which rent figure counts. Some use the lease; some use the appraiser’s market rent; some use the lower of the two. Short-term rentals are often measured differently again. Use this tool to see where you stand and which levers matter, then let a broker compare actual programs.
Levers worth testing
- Lower the loan amount in steps to see where coverage strengthens.
- Switch the amortization term, or toggle an interest-only period.
- Update the insurance premium with a real landlord-policy quote.
- Compare the payment you would have on a rate-and-term versus a cash-out amount.
For a deeper explanation, read how lenders calculate DSCR on a refinance.
Estimates only. Not a loan offer or commitment to lend. Business-purpose loans for non-owner-occupied investment property only.
Next step
Bring us the loan you have. We will show you the loans you could have.
Share your current balance, rent and maturity date. A Loan Daddy loan specialist will compare what wholesale lenders can offer for a business-purpose refinance and walk you through the trade-offs, without pressure.