Resource library

DSCR guides built around the calculator.

Use these guides to understand the loan screen, then run the numbers in the DSCR calculator before you talk to a lender.

What is DSCR in real estate?The basic formula, example, and why lenders care. What is a good DSCR for a rental property?How to think about 1.00, 1.20, 1.25, and cushion. DSCR loan requirementsCommon underwriting categories investors should check. How to calculate DSCRStep-by-step NOI and payment calculation. How to improve DSCRLevers that can move a deal from weak to workable. DSCR loan for AirbnbShort-term rental income assumptions and lender variation. DSCR loan for LLC-owned rentalsEntity ownership, documents, and practical checks. DSCR refinanceHow to model a refinance before requesting terms. DSCR vs conventional loanCompare the borrower-income and property-income paths. Break-even rent vs DSCRWhy breaking even is not the same as clearing a lender screen. Does vacancy affect DSCR?How vacancy assumptions reduce effective rental income.

Ready to test a scenario? Use the calculator to estimate DSCR, cash flow, LTV, and required rent targets.

Open calculator