Oakland DSCR Loan Calculator
DSCR Loan Calculator Oakland mortgage estimates pre-filled with Alameda County, California property-tax and insurance figures. Educational only.
Illustrative rate used: 6.875% (a conservative national average, not a quote). Estimates only, using an illustrative interest rate and tax and insurance data for your selected state (county-level where county data is available). Not a quote, offer, or commitment to lend. Verify every figure with a licensed lender in your state before relying on it.
How DSCR loans work
A DSCR (Debt-Service Coverage Ratio) loan is an investment-property mortgage that qualifies on the property's cash flow rather than your personal income. The ratio is simple: gross monthly rent ÷ the property's total monthly payment (PITIA — principal, interest, taxes, insurance, and any HOA). A DSCR of 1.00 means the rent exactly covers the payment; most lenders look for 1.00–1.25 or higher, with 20–25% down.
Because they skip personal debt-to-income underwriting, DSCR loans are popular with investors who own several properties or whose tax returns understate cash flow. They usually carry a higher rate than an owner-occupied loan (shown here as an illustrative premium) and are for non-owner-occupied properties only. This is an educational estimate — a licensed lender confirms rent assumptions, reserves, and actual pricing.
Frequently asked questions
What is a DSCR loan?
A DSCR (Debt-Service Coverage Ratio) loan is an investment-property mortgage that qualifies on the property's cash flow instead of your personal income. DSCR = gross monthly rent divided by the total monthly payment (PITIA).
What DSCR do lenders want?
A DSCR of 1.00 means the rent exactly covers the payment. Most lenders look for 1.00 to 1.25 or higher, along with 20 to 25 percent down. A higher ratio usually means better pricing.
Is this a quote?
No. It is an educational estimate using an illustrative investment rate — not a quote, pre-qualification, or commitment to lend. HomeWise is an educational publisher, not a lender, broker, or servicer.