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Real Estate & Pros · Real Estate Investing

DSCR Loan Calculator

Debt-service coverage ratio for a rental property — the key number DSCR lenders use.

  • Free to use here · embed on the Business plan
  • 5 inputs · 5 results
  • English & Spanish

Try the DSCR Loan Calculator

Check your DSCR — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the DSCR Loan calculator works out

The DSCR Loan Calculator is a free, embeddable calculator from CalcFunnel. Debt-service coverage ratio for a rental property — the key number DSCR lenders use.

You enter 5 inputs: loan amount, interest rate (%), loan term (years), monthly rent and taxes, insurance & HOA (monthly).

It returns DSCR, monthly rent, total debt service (PITIA), principal & interest and lender assessment.

Built for real-estate agents, investors and non-QM lenders. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Real Estate & Pros category.

Results it shows

  1. 01DSCR
  2. 02Monthly Rent
  3. 03Total Debt Service (PITIA)
  4. 04Principal & Interest
  5. 05Lender Assessment

The first figure — dscr — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Details

Loan Amount
The total amount you plan to borrow to purchase or refinance the rental property.
Interest Rate (%)
The annual interest rate on the DSCR loan — DSCR loans often carry slightly higher rates than owner-occupied mortgages.
Loan Term (years)
How many years you will take to repay the loan — a longer term lowers the monthly payment and improves your DSCR.

Rental Income & Expenses

Monthly Rent
The gross monthly rental income the property generates — this is the income side of the DSCR calculation.
Taxes, Insurance & HOA (monthly)
Combined monthly property taxes, homeowners insurance, and HOA dues — added to principal and interest to form total debt service.

For your website

Embed this calculator on your website

Put the DSCR Loan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

DSCR Loan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the DSCR Loan Calculator calculate?
Debt-service coverage ratio for a rental property — the key number DSCR lenders use. It returns DSCR, monthly rent, total debt service (PITIA), principal & interest and lender assessment.
Q.02What information do I need to use the DSCR Loan Calculator?
You enter 5 inputs: loan amount, interest rate (%), loan term (years), monthly rent and taxes, insurance & HOA (monthly). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the DSCR Loan Calculator?
The total amount you plan to borrow to purchase or refinance the rental property.
Q.04What does “Interest Rate (%)” mean in the DSCR Loan Calculator?
The annual interest rate on the DSCR loan — DSCR loans often carry slightly higher rates than owner-occupied mortgages.
Q.05Is the DSCR Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Real Estate & Pros category. Compare plans.
Q.06Can I embed the DSCR Loan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the DSCR Loan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the DSCR Loan results financial advice?
No. Estimates only. DSCR requirements, minimum ratios and rates vary by lender. Confirm qualifying figures with a DSCR lender.

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The DSCR Loan Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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