DSCR Deal Analysis Made Easy

The FREE Investor-Grade DSCR Calculator from Coastal Capital Funding.

Run real numbers on your next rental in under 60 seconds. Built by Coastal Capital Funding — Providing Impeccable Service Second to NONE!

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• FREE • INVESTOR-GRADE • PURCHASE & REFI

How the DSCR Analyzer Works

Five quick inputs. One lender-grade answer. The same math a DSCR refi underwriter will use to qualify your rental — instantly, with no account creation and no spreadsheets.

1

Property

Enter the subject property address, purchase price, and loan terms.

2

Loan

Set down payment, interest rate, term, and origination fees.

3

Income

Add gross monthly rent and your expected vacancy assumption.

4

Expenses

Layer in taxes, insurance, HOA, management, and maintenance.

5

Results

See DSCR, NOI, cap rate, and cash flow in real time as you type.

Why Investors Trust the CCF DSCR Calculator

Most online DSCR calculators round corners on the inputs that drive a real underwriting decision. Ours doesn't. Built by a direct private lender, stress-tested against the same DSCR programs we fund every week, with the assumptions a refi lender will actually use to qualify the deal.

Lender-Style DSCR — computed exactly as a refi underwriter would

DSCR is calculated as NOI ÷ Annual Debt Service using the same PITIA components a refi lender escrows: principal, interest, taxes, insurance, and association fees. Switch the payment toggle to Interest-Only and the calculator drops principal from the qualifying payment automatically.

Purchase AND Refinance — one tool, both sides of the deal

Run a brand-new acquisition under the Purchase tab, then flip to Refinance to model a cash-out or rate-and-term on a property you already own. The inputs stay separate so you can compare scenarios side-by-side without resetting the form.

Real operating-expense math — not just a 10% guess

Property taxes, insurance, HOA, and "other" all flow in as annual amounts, with the monthly equivalent shown right under the field. Property management and maintenance / CapEx are entered as a percentage of gross rent, just the way a real underwriter pencils them into the file.

Built into the loan process you'll actually run

  • Subject property address pulled into your saved analysis
  • Down-payment driven loan amount and LTV
  • Origination + non-lender closing costs broken out separately
  • NOI, Cap Rate, monthly cash flow, and DSCR — all on one screen

FAQs:

Is this calculator really free?
Completely free. No account creation, no credit card. The only ask is your name, email, and phone when you're ready to unlock the full results — so we can introduce ourselves if you ever need a DSCR refinance or a hard-money acquisition loan.
What does DSCR actually mean?
DSCR stands for Debt Service Coverage Ratio. It's the ratio of net operating income (NOI) to annual debt service. A DSCR of 1.20x means the property generates 1.20 dollars of NOI for every 1 dollar of mortgage payment — a 20% buffer over breakeven.
What's a "good" DSCR for a rental loan?
Most DSCR programs price best at 1.20x or higher. Some lenders will go to 1.00x (breakeven) or even sub-1.00 (a "no-ratio" DSCR loan) at lower LTV and a rate premium. Anything under 1.00 means the rent doesn't cover the mortgage on paper, so expect to put more down.
What does PITIA include?
PITIA = Principal + Interest + Taxes + Insurance + Association (HOA). It's the full monthly housing payment your refi lender escrows. If you choose Interest-Only, the calculator drops principal and qualifies on ITIA instead.
Does Coastal Capital Funding actually fund DSCR loans?
Yes — that's why we built this. We provide DSCR loans for purchase and refinance up to $2 Million, on single-family rentals, multi-family, and short-term rental properties. Apply here to discuss a specific deal.

Built for serious investors

Whether you're scaling a long-term rental portfolio or refinancing the property you just stabilized, this calculator is built around the questions a DSCR underwriter actually asks.

Buy-and-Hold Landlords

You buy single-family or small multi-family rentals to cash-flow and appreciate. Use this to qualify a deal before you write the offer.

BRRRR Refi Investors

You bought with hard money, rehabbed, and stabilized. Now you need to know what the long-term DSCR refi looks like before you lock the rate.

Short-Term Rental Operators

Vacation rentals throw off variable income. The expense and vacancy inputs let you stress-test the DSCR before you commit to the loan.

Ready to Get Started?

Start your application process by completing our online form.

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Questions first? Call 757-333-HOME (4663) or email info@coastalcapitalfunding.com