DSCR Calculator

DSC ratio = applied gross rental income ÷ total subject property expenses (mortgage payment, taxes, insurance, flood, HOA). For 1 unit, or 2–4 units / SFR and ADU.

Loan details

SFR and ADU → 2 units.
Only needed on a refinance, to use up to 120% of market rent when the current lease is higher than market rent.
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Monthly income details

UnitLeased gross rental incomeAppraisal market rentApplied gross rental incomeHow it was applied
Total applied gross rental income

Monthly expense details

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Calculated from loan amount, rate and amortization type
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DSC ratio
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Applied rent ÷ total expenses, rounded down to 4 decimals
  • Below .75 DSCR is ineligible.
  • Investor Connect: DSCR 1.0+ requires $100K min loan amount. DSCR .75–.99 requires $175K min loan amount.
  • Investor Premier: loan amounts $100K–$150K require min 1.25 DSCR.
Same formulas as SG Capital DSCR Calculator (Final 3.11.25). Interest-only products use the interest-only payment; all others use the fully amortizing payment over 30 or 40 years.