DSCR Savings Calculator
Stop Overpaying on Your Investment Property
Lower Your Rate and Increase Your Monthly Profit
Use our specialized tool below to see how much you could save each month by switching to a modern DSCR loan.
Is a Rate-and-Term Refinance Right for You?
What you'll learn in this video:
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How a Rate-and-Term refinance lowers your monthly bill without adding to your debt.
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The benefits of switching from a high-interest private loan to a 30-year fixed rate.
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How lowering your payment today helps you qualify for your next property purchase.
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A simple breakdown of closing costs vs. long-term savings.
Original Closing Date
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Original Loan
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# Payments made (Months)
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Current Rate
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Mortgage Balance
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Current Property Value
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New Closing Date
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Average Market DSCR Rate
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Rate %
P&I PMT
Savings
5Yrs Savings
New Pay off
Total Years Saved
Total Interest
Total Interest Saved
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While we prepare your file, take 2 minutes to watch :
"DSCR Loan Interest Rates Explained: 5 Factors That Lower Your Rate"
Smart investors learn the system before they enter it.
Understanding what drives your interest rate helps you qualify for the lowest rate possible and can save you thousands. Most borrowers don't know these factors. You will.
THE WEALTH-BUILDING POWER OF CASH FLOW
Why Saving $300/Month is Worth $200,000 in Equity
Most first-time investors focus only on the property value. But seasoned investors know that cash flow is king. When you lower your monthly payment, you aren't just saving money you are increasing your "buying power."
Historically, U.S. real estate grows at about 4% per year. Even while your property value is climbing, a lower mortgage payment allows you to keep more of your rent in your own pocket every single month.
The $1 Million "Profit Engine"
Imagine you own a property worth $1,000,000. While it grows in value by over $216,000 over five years, a Rate-and-Term refinance can accelerate your wealth:
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Lower Your Rate: Dropping your rate by just 1% can save you thousands in interest every year.
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Pay It Off Faster: You can choose to keep your payment the same but shorten your loan term, helping you own the property "free and clear" years sooner.
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Reinvest the Difference: Use your monthly savings to fund the down payment on your third or fourth investment property.
HOW WE QUALIFY YOUR SAVINGS
No Tax Returns. No Paystubs. No Technical Headaches.
Traditional banks make you jump through hoops to refinance. At DSCR Pro, we don't care about your personal income or your tax write-offs. We only care that your property is a "well-oiled machine" that pays for itself.
We qualify your new, lower payment based on the Debt Service Coverage Ratio (DSCR).
The Simple Formula We Use:
DSCR =
Gross Monthly Rent
Monthly PITIA
(PITIA = Principal, Interest, Taxes, Insurance, and HOA fees)
The Goal: By lowering your interest rate, your "PITIA" (payment) goes down. This makes your DSCR ratio stronger, which signals to lenders that your investment is low-risk and high-profit.
TOP BENEFITS OF REFINANCING WITH DSCR PRO
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Lower Your Monthly Burden: Immediately increase the "take-home" cash you get from your tenants every month.
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No Personal Income Checks: We don't verify your job or your salary. We only verify the property's rental income.
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LLC-Friendly: Keep your investment debt off your personal credit report by vesting the loan in your LLC’s name.
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30-Year Fixed Security: Lock in a stable, predictable payment that will never go up, no matter what happens in the economy.
YOUR 3-STEP ROADMAP TO LOWER PAYMENTS
1
Run Your Numbers
Use the savings calculator at the top of this page.
2
Speak with an Advisor
We’ll pair you with a human expert who will give you a real-world estimate of your new rate no robots, no pressure.
3
Start Saving
We handle the appraisal and the paperwork. Most of our clients close their new, lower-rate loan in 21 to 30 days.