DSCR Interest Only Loan Calculator

Last updated: October 7, 2025

In the dynamic world of real estate investing, the DSCR loan has become a cornerstone for savvy investors looking to scale their rental portfolios without the constraints of traditional income verification. Among the various structures available, interest-only DSCR loans stand out for their flexibility, allowing borrowers to minimize monthly payments during the initial years, maximize cash flow, and maximize LTV. But how do you accurately assess whether an interest-only DSCR loan fits your investment strategy? Enter the DSCR Interest Only Loan Calculator—a powerful tool designed to crunch the numbers precisely as lenders do.

At OfferMarket, we're committed to empowering real estate investors with the resources they need to build wealth through strategic property acquisitions and refinances. Our DSCR Interest Only Loan Calculator helps you evaluate deals, understand cash flow implications, and secure the best possible terms. In this in-depth article, we'll explore everything you need to know about interest-only DSCR loans, how the calculator works, and why it's an essential asset for your investment toolkit. Whether you're a seasoned landlord or just starting, this guide will equip you with actionable insights to make informed decisions.

Understanding DSCR Loans: The Foundation

Before diving into the interest-only variant, let's establish the basics of DSCR loans. A DSCR loan is a non-qualified mortgage (Non-QM) product tailored for real estate investors. Unlike conventional loans that scrutinize your personal income via W-2s or tax returns, DSCR loans qualify you based on the rental property's cash flow. The key metric here is the Debt Service Coverage Ratio (DSCR), which measures how well the property's income covers its debt obligations.