Loan Calculators

Run the numbers before you apply. Estimate your monthly payments, DSCR ratio, flip profits, and more across all of our loan programs.

DSCR Loan Calculator

Estimate your monthly payment and DSCR ratio for a rental property loan. DSCR loans qualify based on the property's rental income, no W-2s or tax returns needed.

Property Value$400,000

Loan-to-Value (LTV)75%

Interest Rate7.50%

Loan Term

Monthly Gross Rent

Annual Property Taxes

Annual Insurance

Monthly HOA

Estimated Results

Loan Amount

$300,000

Down Payment

$100,000

Monthly P&I

$2,097.64

Monthly Taxes

$400.00

Monthly Insurance

$150.00

Total Monthly (PITIA)

$2,647.64

DSCR Ratio

1.06Marginal

Total Interest (life of loan)

$455,152

Get Pre-Qualified →

Estimates only. Actual terms depend on lender approval.

Market note: DSCR rates typically range from 7.0%–9.0% depending on credit, LTV, and DSCR ratio. Most lenders require a minimum DSCR of 1.0, with 1.25+ getting the best pricing. Prepayment penalties (3-2-1 or 5-4-3-2-1 stepdown) are common on DSCR loans.

These calculators provide estimates only and do not constitute a loan offer, pre-qualification, or commitment to lend. Actual rates, terms, and fees vary based on borrower qualifications, property type, and market conditions. Contact Sinai Capital for a personalized quote.