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Capital Bridge Solutions

Specialized lending solutions for real estate investors nationwide. We provide comprehensive financing options tailored to your investment goals.

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DSCR Loan Calculator

Calculate your property's Debt Service Coverage Ratio instantly. See if you qualify for investment property financing without income verification.

No Income Docs

Qualify based on property cash flow

1.0+ DSCR

We work with lower ratios

Interest Only

Lower monthly payments

Calculate Your DSCR

Enter your property details below to calculate the debt service coverage ratio.

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Tips
  • Most lenders require a minimum DSCR of 1.25 but we can work with 1.0
  • DSCR loans are typically interest-only payments
  • Operating expenses calculated at 45% include taxes, insurance, maintenance, vacancy
  • A DSCR above 1.0 means the property income covers the debt payments

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DSCR Loan Facts

  • •No personal income verification required
  • •Qualify based on property cash flow
  • •Perfect for self-employed investors
  • •620+ credit score required
  • •Up to 80% LTV available

Ready to Apply?

Get pre-approved in 24-48 hours with our streamlined process.

Start Application

Understanding DSCR Calculations

What is DSCR?

The Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its mortgage payments using its rental income. It's calculated by dividing the Net Operating Income (NOI) by the Annual Debt Service.

DSCR = NOI ÷ Annual Debt Service

How We Calculate NOI

Net Operating Income is your rental income minus operating expenses. We use a standard 45% expense ratio:

  • • Property taxes & insurance
  • • Maintenance & repairs
  • • Vacancy allowance
  • • Property management
  • • Utilities & other expenses

DSCR Qualification Ranges

1.25+ DSCRExcellent - Best rates available
1.10 - 1.24 DSCRGood - Standard qualification
1.00 - 1.09 DSCRAcceptable - May require review
Below 1.00 DSCRChallenging - Special programs available