Enter your numbers. Get your DSCR ratio, an instant qualification verdict, and a rate estimate — no login, no callbacks.
Effective monthly income = (Annual gross × occupancy%) ÷ 12. Most lenders discount STR income 25–30%.
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DSCR (Debt Service Coverage Ratio) measures whether a property's rental income covers its total housing payment. Lenders use this to qualify investment properties without looking at your personal income.
A ratio of 1.0 means rent exactly covers the payment. Most lenders want at least 1.0× minimum. Deals at 1.20× or higher qualify for better rates and faster approvals. This calculator uses your actual loan amount and rate estimate to compute P&I — so the math is accurate to your deal, not a one-size estimate.
Rate estimates come from the same FICO × LTV × property-type matrix that powers the VestedNest rate table. The rate used to compute your P&I is the midpoint of that range. For STR properties, income is calculated from annual gross × occupancy rate.
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