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Loan Calculators

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

Last updated: March 20, 2026|Reviewed by Georgey Tishin, NMLS #2825327

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.

$400,000
75%
7.50%
$
$
$
$

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
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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.