Please read these Terms of Use carefully before using DSCR Calculator (https://dscrloantool.com/). By accessing or using our website and calculator tool, you agree to be bound by these terms. If you do not agree, please do not use this site.
1. Description of Service
DSCR Calculator provides a free, browser-based Debt Service Coverage Ratio (DSCR) calculator designed to help real estate investors estimate whether a rental property may qualify for a DSCR loan. All calculations are performed locally in your browser — no data is transmitted to or stored on our servers.
2. Not Financial or Legal Advice
The information and results provided by this calculator are for informational and educational purposes only. They do not constitute financial, investment, tax, or legal advice.
The calculator uses standard industry formulas and publicly known lender thresholds, but actual loan approval decisions depend on many additional factors including, but not limited to: credit score, down payment, reserves, property type, lender-specific overlays, current market conditions, appraised rent values, and individual underwriting guidelines.
Always consult with a licensed mortgage professional, financial advisor, or real estate attorney before making any lending or investment decisions. Do not rely solely on this tool when evaluating a property or applying for a loan.
3. Accuracy of Results
While we strive to provide accurate calculations based on the inputs you provide, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the results produced by this calculator. Results are estimates only and may differ from actual lender calculations.
DSCR loan thresholds (1.0x, 1.1x, 1.25x) shown in this tool reflect common industry standards as of the date of this document. Individual lenders may use different thresholds, qualifying rent methodologies, and calculation conventions.
4. No Lender Relationship
DSCR Calculator is not a lender, mortgage broker, bank, financial institution, or licensed financial advisor. We have no affiliation with any lending institution. Use of this calculator does not constitute an application for a loan and does not guarantee access to any lending product.
5. Acceptable Use
You agree to use this site only for lawful purposes and in a manner that does not:
- Violate any applicable local, national, or international law or regulation
- Attempt to gain unauthorized access to any part of the site or its related systems
- Transmit any unsolicited or unauthorized advertising or promotional material
- Use automated tools, scrapers, or bots to extract data from this site
- Reproduce, duplicate, copy, or re-sell any part of this site without our express written consent
6. Intellectual Property
All content on this website — including but not limited to text, design, code, graphics, and the calculator tool itself — is the property of DSCR Calculator and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without explicit written permission.
7. Disclaimer of Warranties
This website and calculator are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
8. Limitation of Liability
To the fullest extent permitted by law, DSCR Calculator and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your use of or inability to use the calculator or site
- Any decisions made based on calculator results
- Any errors, inaccuracies, or omissions in the calculator output
- Any unauthorized access to or use of our servers or any personal information stored therein
9. Third-Party Links and Advertisements
This site may contain links to third-party websites and may display third-party advertisements (including Google AdSense). These third parties have separate and independent privacy policies and terms. We have no responsibility or liability for the content, practices, or policies of any third-party site.
10. Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the site with an updated "Last updated" date. Your continued use of the site after any changes constitutes your acceptance of the new terms.
11. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in the United States.
12. Contact Us
If you have any questions about these Terms of Use, please contact us at legal@dscrloantool.com or use our Contact page.