Income
Operating Expenses
Financing
Lender Thresholds
Conventional (1.20× minimum)
—
SBA / Most Lenders (1.25× minimum)
—
Portfolio / Overlay (1.35× target)
—
Recommended Partners for Your Deal
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Explore More Financing Options
FreshBooks
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Accounting Software for Landlords
DoorLoop
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📈 DSCR Mastery Guide
Get the complete DSCR formula breakdown + real deal examples
Learn how investors use DSCR to qualify for loans on rental properties — plus a free DSCR cheat sheet.
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📊 Real Estate Investor Templates
Want the DSCR formula in Excel?
Rental ROI · BRRRR · Fix-and-Flip · Depreciation · DSCR — all in Excel. Instant download.
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⭐ Pro Calculator
DSCR Pro — $10 · Unlimited property saves & PDF export
Side-by-side deal comparison, DSCR sensitivity tables, lender requirements guide — all inside the calculator
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📊 Excel Template — Instant Download
DSCR Pro Spreadsheet for Investors & Lenders
Enter income & expenses → get your DSCR ratio with a printable one-page report for lender submission. No signup required.
Instant download · Excel/Google Sheets · No macros · Windows & Mac
🏦 DSCR Loan Partners — We Recommend
Ready to refinance or buy your next investment property?
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DSCR Loan Approval Checklist
What underwriters actually check before approving your next DSCR loan. 22-point checklist used by commercial brokers.
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Co-Investing Platform
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Property Management
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