DSCR calculator. Does your rental pay for itself?
DSCR (debt service coverage ratio) is the one number a DSCR lender cares about: monthly rent ÷ monthly PITIA. Run your property below — 30-year fixed and interest-only side by side, with cash flow, cap rate and cash-on-cash return.
- 1.0 or higher — the rent covers the payment; standard approval
- Below 1.0 — not a decline: a no-ratio option exists at a lower LTV
- Long-term, short-term (Airbnb) and vacation rentals all run the same way
- No sign-up — the calculator runs in your browser and collects nothing
What type of property is this?*
What loan type are you interested in?*
What is the property address?*
Depending on location we may have specific programs
What's the purchase price or refinance amount?
Our minimum loan amount is $75,000 up to $3,000,000 on DSCR
Are you purchasing or refinancing?*
How is your credit?*
No minimum score — maximum LTV is capped by credit tier (below 620 caps at 50% LTV)
Is the property occupied or vacant?*
When was the property purchased?*
Who are we preparing options for — and where do we send them?*
Legal name of the primary borrower. We'll text and email your scenario — a real person from our Irvine office. Never sold, no spam.
Where should we send your options?*
We'll email your scenario and next steps — never sold, no spam.
Last step — everything look right?*
Review your details and hit Submit — a real person from our Irvine office will reach out. No call centers, never sold, no spam.
Notice: By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages, text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@capratefunding.net to be placed on our do-not-call list. By clicking Submit: I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding. Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.
What's the purchase price?*
Your best estimate is fine — we'll tailor the loan to it
What is the existing balance on your property?*
Include all liens — first, second, HELOC. Enter 0 if it's paid off.
What is the current value of the property? (Your best estimate)*
Your best estimate is fine — this helps us size the loan correctly.
We can't make this one work — here's exactly why.
With a credit score below 620, our lenders cap an investment-property refinance at 50% of the property's value — that's your current mortgage balance measured against what the property is worth. Based on the numbers you entered, your balance sits above that line, so we're not able to move forward on this loan today.
Two honest paths from here: if your balance drops below 50% of value — or your score crosses 620 — we can revisit immediately.
Call us to talk it through — 949-738-9770We can still do this — with a bigger down payment.
With a credit score below 620, our lenders can approve a purchase only when you bring at least 50% down, plus closing costs, out of pocket. If you can do that, we'll keep going right now — equity does the qualifying that credit can't.
Not sure? Call us: 949-738-9770
What is the current rent you are collecting or market rent?*
Monthly rent — if the property is vacant, your best estimate of market rent is fine.
What are the property taxes you pay annually?*
Your best estimate is fine — enter 0 if none.
What is the landlord insurance you pay annually?*
Your best estimate is fine — enter 0 if you don't carry it yet.
You're in! Now lock in your call.
Your scenario is in the queue. Pick a time below and we'll go over your options together — usually the same business day.
To make the call count, have these handy: your property address, a recent mortgage statement (or your payoff balance), and a ballpark of your credit score.
Book My Call — Open CalendarPrefer to talk now? Call 949-738-9770 · Book a call
You're booked! One more thing…
Save our contact now — we'll be calling you from 949-738-9770. With it saved, your phone shows Chase Zhao · Cap Rate Funding instead of “Scam Likely” or an unknown number, so you'll know it's us calling about your appointment.
Prefer to add it yourself? Chase Zhao · 949-738-9770 · chase@capratefunding.net
We can't lend on a primary residence in your state yet.
For a home you live in (or will live in), our lenders are set up in . Your property is in , and we're not able to move forward on an owner-occupied loan there today.
Two honest paths from here: if the property is actually a rental or investment, go back and choose Investment Property — our investor programs cover most states. Otherwise, call or text us and we'll point you to a lender who can help.
Call us to talk it through — 949-738-9770We're not the right fit for this one.
Based on your answers, we aren't able to offer a program for this scenario with a credit score below 620 at this time. If your score improves, we'd love to take another look — and you're always welcome to call us to talk through your options.
Call 949-738-9770We're not licensed to lend on primary residences in your state.
For owner-occupied homes, Cap Rate Funding is licensed in Alabama, Arizona, California, Colorado, Florida, Idaho, Iowa, Louisiana, Maryland, Michigan, Minnesota, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah & Washington only. Because this property is your primary residence, we aren't able to help with this one — and we'd rather tell you now than waste your time.
Own an investment property? That's a different footprint — our investor programs are available in nearly every state.
You’ll work directly with Chase Zhao, President · NMLS #1816148*Sample DSCR pricing shown; your rate depends on DSCR, credit profile, LTV, and property type. No minimum credit score restriction — maximum LTV is capped by credit tier, and FICO below 620 caps at 50% LTV. DSCR loan amounts capped at $3,000,000. All loans subject to credit approval.
Run your rental's numbers.
Enter your property, rent, and expenses — and see your DSCR for both a 30-year fixed and a 10-year interest-only structure, plus monthly cash flow, cap rate, cash-on-cash return, and your borrowing power. No tax returns needed to run it.
Loan Purpose
Income & Expenses
Closing Costs optional
30-Year Fixed
✓ Qualifies on the rent10-Year Interest-Only
boosts DSCR1.00 = rent covers the payment · 1.25+ typically unlocks the best pricing · under 1.00 can still work at lower LTV
Investment Snapshot
DSCR = gross monthly rent ÷ monthly PITIA. Estimates only — not a rate quote or commitment to lend; actual terms depend on LTV, DSCR tier, credit, and property type.
Like the numbers? Get them priced for real.
The calculator is directional — submit your scenario and I'll price it across our lender network, usually the same business day.
How DSCR is calculated — and how we read it.
DSCR = gross monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance and HOA). Your personal income never enters the math.
$3,000 rent vs. $2,500 PITIA
- Rent: $3,000 a month
- PITIA: $2,500 a month (payment, taxes, insurance, HOA)
- DSCR: $3,000 ÷ $2,500 = 1.20
- Read: rent covers the payment with 20% to spare
What your ratio means at Cap Rate Funding.
- 1.0 and up — standard approval: the rent covers the payment
- Below 1.0 — a no-ratio option exists at a lower LTV and higher pricing
- Interest-only lowers the payment and lifts the ratio — compare both
- LTV is capped by credit tier — below 620 FICO caps at 50% LTV
Non-QM is our specialty.
Cap Rate Funding is a team of non-QM lending experts based in Irvine, CA. When the banks say no, we usually have a yes — DSCR, P&L-only, bank-statement, HELOCs, hard money, and home equity agreements are what we do all day, backed by a network of over 100 wholesale lenders.
When you reach out, your scenario goes straight to our team — no call centers, no hand-offs. We'll tell you quickly whether we can help, what it'll roughly cost, and what we'd need from you. And if a loan doesn't make sense for your situation, we'll tell you that too.
Recently funded DSCR deals.
Real closings, straight from our Instagram — HELOCs funded in days, P&L and DSCR loans other lenders passed on.
| Deal Type | Location | Loan Amount | Highlight |
|---|---|---|---|
| HELOC | Santa Fe Springs, CA | $397,000 | Funded in 5 days |
| P&L Loan | Irvine, CA | $930,000 | Primary residence · complex title solved |
| DSCR | Detroit, MI | $1,194,200 | 7-property portfolio, one client |
| Digital HELOC | Rural property · 2+ acres | $276,393 | Funded in 7 days · no tax returns |
| P&L · 2nd Lien | Vale, CO | $400,000 | No full appraisal · rural OK |
| DSCR | New Jersey | $562,500 | Reverse 1031 exchange purchase |
| Cash-Out Refi | Texas (A6) | $350,000 | No income verification |
"Chase truly made the process feel effortless and straightforward. The communication was excellent throughout, and I was impressed by the speed and experience he demonstrated."
Google Review · HELOC client"Chase made our HELOC process incredibly easy, smooth, and fast from start to finish. Excellent communication, professional service, and quick turnaround."
Google Review · HELOC client"Fast, reliable, and very honest. Throughout the loan process, I always knew what the next step was. I truly appreciate the professionalism and support!"
Google Review · Investor clientGo beyond with Cap Rate Funding.
Initial Consultation
Share your scenario — refinance or cash-out — and we'll assess your needs. 60 seconds online or one phone call.
Customized Solutions
Your scenario priced across 100+ lenders, with options tailored to your goals.
Application & Approval
Complete your application and receive fast approvals — often with fewer documents than you'd expect.
Closing & Beyond
Seamlessly close your loan and enjoy continued support on the next one.
DSCR calculator questions.
How do you calculate DSCR?
DSCR equals the property's monthly rent divided by its monthly PITIA: principal, interest, property taxes, hazard and flood insurance, and HOA dues. A rental earning $3,000 a month against a $2,500 PITIA has a DSCR of 1.20.
What DSCR do I need to qualify?
At Cap Rate Funding, standard approval is at a DSCR of 1.0 or higher, meaning the rent fully covers the payment. Below 1.0, a no-ratio option exists at a lower LTV and higher pricing, so a low ratio is not an automatic decline.
Does the calculator use actual rent or market rent?
Either. On a refinance with a lease in place, lenders typically use the lease or market rent from the appraisal. On a purchase, market rent from the appraisal can do the qualifying, so you do not need a lease in place.
Can short-term rental (Airbnb) income count?
Yes. Short-term and vacation rentals are financed under our DSCR rental program. Enter your expected monthly rental income to estimate the ratio, and we confirm how the income is documented on a call.
Should I compare a 30-year fixed and interest-only?
Yes. An interest-only payment is lower, so the same rent produces a higher DSCR. The calculator shows both side by side so you can see which structure clears 1.0.
Does running the calculator affect my credit?
No. The calculator runs entirely in your browser and collects nothing. Checking your loan options in the qualifier is also a soft process with no hard credit pull.
Fast. Flexible. Funded.
Whether you're tapping equity or repositioning the portfolio — check your options in 60 seconds, with no hard credit pull.