Investor Loan Pro
"Free DSCR Loan Calculator for real estate investors. Instantly calculate your Debt Service Coverage Ratio, estimate maximum loan amounts, and download a full 360-month amortization schedule (PDF). The ultimate tool for scaling your rental portfolio."
Expert Guide to DSCR & Amortization
What is a DSCR Loan? A Debt Service Coverage Ratio (DSCR) loan is a mortgage used by real estate investors where eligibility is based on the property’s rental income rather than personal income. If the rental income exceeds the debt obligations by the lender's margin (typically 1.20x), the loan is considered viable.
How DSCR Impacts Your Leverage: The DSCR ratio acts as a ceiling for your loan amount. By using our "Max Loan" tool, you can determine the highest mortgage a bank will offer based on current market rents. A higher rent or a lower required DSCR ratio increases your purchasing power.
The Importance of Amortization: Our downloadable schedule provides a 360-month breakdown. Understanding the principal vs. interest split is vital for tax planning, as mortgage interest is often a primary deduction for real estate businesses.