DSCR Loan Calculator
Enter your property details below to instantly see your Debt Service Coverage Ratio and whether your investment property qualifies for a Non-QM DSCR loan.
Property & Loan Details
Purchase Details
Loan Terms
Monthly Income & Expenses
Below our minimum threshold. The rent covers less than 75% of the mortgage payment. We recommend increasing your down payment to lower the monthly cost, finding a property with higher rent, or exploring Fix & Flip / Hard Money financing instead.
Rhino Capital can work with DSCR as low as 0.75 — something most conventional lenders won't touch. The property's income covers 75–99% of the loan payment. Approval is case by case and depends on your credit score, down payment size, property type, and overall deal strength. Contact us to discuss.
The property pays for itself — rent fully covers the mortgage payment. This is a solid, fundable deal with Rhino Capital. You may see slightly higher rates compared to the 1.25+ tier, but you have strong lender options and a clear path to approval.
The gold standard for DSCR loans. Rent exceeds the mortgage payment by 25% or more, giving lenders a strong cushion. At this level you qualify for the best available rates, the widest range of lenders, and the fastest approvals. This is exactly what Non-QM lenders want to see.
Your property qualifies. A DSCR of 1.24 means the rent covers the full mortgage payment — the property pays for itself. Rhino Capital can approve loans at 1.0+. You may see slightly higher rates than the 1.25 tier, but this is a solid, fundable deal.
Monthly Breakdown
No SSN required. Submit your deal details and we'll find the right Non-QM lender for you.
What is DSCR?
DSCR (Debt Service Coverage Ratio) measures whether a property's rental income covers its mortgage payment. Divide the monthly rent by the total monthly PITIA payment. A ratio of 1.0 means rent exactly covers the payment — 1.25 means rent exceeds it by 25%.
Rhino Capital's DSCR Tiers
≥ 1.25 = Best (strong qualify, best rates) · 1.0–1.24 = Good (qualifies, solid deal) · 0.75–0.99 = May Qualify (case by case review) · < 0.75 = Needs Review (below our minimum). Rhino Capital can go as low as 0.75 DSCR — something most conventional lenders won't touch.
What if my DSCR is below 1.0?
You may still qualify with Rhino Capital down to 0.75. A larger down payment lowers your monthly payment and improves DSCR. Below 0.75, consider Fix & Flip or Hard Money financing instead — contact us to explore all your options.