Calculate your Debt Service Coverage Ratio for Florida investment property financing. Most DSCR lenders require 1.0–1.25x minimum.
DSCR Loan Calculator
DSCR = Gross Monthly Rent ÷ Monthly PITIA. Most lenders require 1.0–1.25 minimum. No income verification needed.
Loan Amount—
Monthly P&I Payment—
Monthly PITIA (P+I+Taxes+Insurance)—
Gross Monthly Rent—
DSCR Ratio—
Lender Qualification—
Minimum Rent Needed for 1.25 DSCR—
Frequently Asked Questions
What is a DSCR loan and how does it work? +
A DSCR (Debt Service Coverage Ratio) loan qualifies investors based on the property's rental income rather than personal income. If gross rent ÷ monthly PITIA ≥ 1.0–1.25, you qualify — no W-2s, tax returns, or employment verification needed. Popular for self-employed investors and portfolio builders.
What DSCR ratio do I need to qualify for a loan in Florida? +
Most Florida DSCR lenders require a minimum 1.0–1.25 DSCR. Premium lenders like Visio, Lima One, and Griffin Funding prefer 1.25+. Some lenders offer no-ratio DSCR products (0.75+ DSCR) at higher rates. A DSCR of 1.25 means rent covers 125% of your total payment.
What interest rates do DSCR loans charge in Florida? +
DSCR loan rates typically run 0.5–1.5% above conventional investment property rates. In 2026, expect 7.5–9.5% for 30-year DSCR loans in Florida. Rates depend on DSCR ratio, LTV, credit score, and property type. 5/1 ARM DSCR products can be lower.
How much down payment does a DSCR loan require? +
DSCR loans in Florida typically require 20–25% down payment. Some lenders offer 15% down for very strong DSCR ratios (1.5+). Down payment requirements increase for condos, rural properties, and properties with DSCR below 1.0.
Can I use projected rent to qualify for a DSCR loan? +
Yes — many DSCR lenders accept a third-party rent schedule (Form 1007) showing market rent rather than actual lease income. This allows qualification on vacant properties or properties you plan to renovate and rent. The appraiser provides the estimated market rent used in the DSCR calculation.
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