Free Tools

NonQM Mortgage Calculators

Know your numbers before you apply. Use our DSCR calculator to analyze rental property cash flow, or estimate your qualifying income from bank statements. Make faster, smarter lending decisions.

DSCR Calculator

The Debt Service Coverage Ratio (DSCR) is the key metric for investor loans. A ratio ≥ 1.0 means the rent covers the mortgage payment. Enter your numbers below to instantly see where you stand.

DSCR Investor Tool

The Investor Formula

DSCR = Monthly Rent ÷ PITIA

Estimated Monthly Rent

Monthly PITIA

Projected DSCR Ratio

1.25

Excellent

Strong cash flow — excellent loan terms available

PITIA = Principal + Interest + Taxes + Insurance + HOA (if applicable). Use your estimated total monthly housing payment.

Learn more about DSCR loans

Bank Statement Income Estimator

Self-employed borrowers are often surprised how much qualifying income they can claim from bank statements. This tool estimates your qualifying income using the standard 50% income factor for business accounts.

Bank Statement Income Estimator

Qualify using 50% of total 12-month deposits as gross monthly qualifying income (business accounts).

Total Deposits — Last 12 Months

Enter your deposit total above

Note: Personal bank statements may qualify at a higher factor (up to 100%). Business statements typically use 50%. Actual qualifying income may vary by lender.

Learn more about bank statement loans

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