Maximize Your Rental Property Investments with Salute Mortgage’s DSCR Calculator

Salute Mortgage’s Debt Service Coverage Ratio (DSCR) Loan Calculator makes it easy to evaluate your cash flow and financing eligibility for investment properties. Whether you’re building a rental portfolio or expanding into multifamily real estate, our intuitive calculator helps you determine if your property’s income supports your mortgage payments—without the paperwork of traditional income verification.

What Is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is designed specifically for real estate investors. Instead of focusing on your personal income, lenders evaluate the investment property’s ability to generate enough rental income to cover the mortgage payments.

At Salute Mortgage, we specialize in offering DSCR loan programs that empower you to grow your portfolio faster—with flexible qualification guidelines and streamlined approval processes.

How the DSCR Loan Calculator Works

Use the calculator below to estimate your DSCR and find out if your property qualifies for DSCR loan financing.

Step 1: Input Your Property Details

• Monthly Rental Income (Gross)
• Monthly Principal & Interest Payment
• Property Taxes and Insurance (Optional)

Step 2: Calculate

The calculator will generate your DSCR ratio—a key number that lenders use to evaluate loan eligibility.

• DSCR Formula:
  DSCR = Monthly Rental Income ÷ Monthly Debt Obligation

What’s a Good DSCR?

A DSCR of 1.0 means your rental income exactly covers your monthly mortgage. Lenders typically look for:

• 1.0 – 1.24: May still qualify with strong credit or additional reserves
• 1.25+: Preferred—indicates healthy cash flow
• Below 1.0: Possible with some lenders using interest-only loans or lower LTV

Salute Mortgage offers competitive DSCR loan options even for low or no-ratio scenarios.

Benefits of DSCR Loans with Salute Mortgage

✅ No Tax Returns Required
✅ Close in an LLC or Personal Name
✅ Flexible DSCR Requirements
✅ Cash-Out Refinance Options
✅ Nationwide Lending