Purpose
We turn loan sizing math into usable calculators that show the actual tradeoffs between rent, debt service, leverage, cash flow, and lender thresholds.
Built for clear property math
About DSCR Test
DSCR Test is a financial tool site for investors and brokers who need fast, transparent first deal check before spending time on a loan quote, appraisal, or full lender package.
Audience
The tools are designed for US rental property buyers, DSCR loan shoppers, brokers, and operators comparing income-property financing scenarios.
Standard
Every calculator should expose its formula, assumptions, and limits. A good tool should make a weak deal obvious before paperwork begins.
How we keep the tools useful
| Principle | Implementation |
|---|---|
| Transparent math | Formula pages and methodology notes document how outputs are calculated. |
| Investor context | Examples use realistic rent, taxes, insurance, payment, LTV, and reserve pressure. |
| Conservative framing | Outputs are educational estimates, not lender approvals or legal advice. |
Choose the next calculation