为投资房源打造的DSCR贷款计算器

Loan Details

• Loan Amount
• Interest Rate (%)
• Loan Term (years)

Rental Income & Expenses

• Monthly Rent
• Taxes, Insurance & HOA (monthly)

字段名称按计算器英文界面中的显示方式列出。

• DSCR
• Monthly Rent
• Total Debt Service (PITIA)
• Principal & Interest
• Lender Assessment

Debt-service coverage ratio (DSCR)

Monthly rent divided by the property’s total monthly debt service. A DSCR of 1.0 means rent exactly covers the payment; above 1.0 leaves a cushion, below 1.0 means the owner covers the gap. DSCR lenders set their own minimum ratios, and this number is the main figure they use to qualify the loan.

DSCR loan

A mortgage for rental property that qualifies the borrower mainly on the property’s rental income rather than on personal income documents such as tax returns. Because the lender takes on different risk, rates, down payment requirements and fees are often higher than for owner-occupied loans. Terms and minimum ratios vary by lender.

Total debt service (PITIA)

Principal, interest, property taxes, homeowners insurance and association (HOA) dues, added together as one monthly figure. It is the denominator in the DSCR. In this calculator, principal and interest come from the loan inputs and the other three are entered as one combined monthly amount.

Principal and interest

The part of the monthly payment that repays the loan and pays the lender’s interest, calculated from the loan amount, rate and term with the standard amortization formula. It is usually the largest piece of debt service, so changes to the rate or term move the DSCR more than most other inputs.

Gross monthly rent

The full rent the property brings in each month before vacancy, repairs or management costs. It is the numerator in the DSCR as calculated here. Lenders may use a signed lease, an appraiser’s market-rent estimate or the lower of the two, so the rent a lender credits can differ from what you expect to collect.

Interest rate

The annual percentage the lender charges on the outstanding balance, before fees. DSCR loans often carry higher rates than owner-occupied mortgages. A higher rate raises principal and interest, which raises total debt service and lowers the DSCR, so the rate can decide whether a property qualifies.

Loan term

The number of years over which the loan is repaid. A longer term lowers the monthly principal-and-interest payment, which improves the DSCR, but it raises total interest over the life of the loan. Some DSCR programs also offer interest-only periods, which lower debt service further for a time.

Loan amount

The total borrowed to buy or refinance the rental property. It drives principal and interest and therefore the DSCR. When a property falls short of a lender’s minimum ratio, a smaller loan, usually from a larger down payment, is the most direct way to bring the ratio up.

Estimates only. DSCR requirements, minimum ratios and rates vary by lender. Confirm qualifying figures with a DSCR lender.

计算结果仅为示意性估算，并非 Loan Estimate（贷款估算表）、预批准或贷款要约。