DSCR Loan Calculator App and Spreadsheet | Real Estate DSCR Qualifier, Max Loan, Rent Needed, Cash Flow | Live Dashboard + Excel & Sheets

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E Y R I E · FINANCE
See the deal before it lands
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DSCR LOAN QUALIFIER — Spreadsheet + Live App
Will your rental qualify for a DSCR loan? And how big a loan will the rent actually support? Know in seconds — then see what you'll REALLY keep after the costs lenders quietly ignore.

Built by a finance professional with 20 years in real estate lending. This is not a plain ratio calculator — it's the read a lender AND a seasoned investor would run before making an offer.

▸ ▸ ▸ TWO FORMATS, ONE PURCHASE ◂ ◂ ◂
✔ A live dashboard APP — runs in any browser, on your phone, tablet or laptop. No install, no login.
✔ The full EXCEL & GOOGLE SHEETS workbook — every formula visible, yours to keep and reuse forever.
Same engine. Verified identical to the penny.

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✦ WHAT'S INSIDE — 5 PRO TOOLS ✦
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★ 1 · QUALIFIER
Enter price, down payment, rate, term, rent, taxes, insurance & HOA. Instantly see your DSCR, your PITIA, and a clear verdict — QUALIFIES / MARGINAL / DECLINED — against the lender's minimum.

★ 2 · BUYING POWER
Work backward from the rent. See the maximum loan and purchase price the property supports at your target DSCR — for both P&I and interest-only loans.

★ 3 · RENT NEEDED
The exact monthly rent required to hit 1.00x, 1.10x, 1.25x, or any custom target on this loan.

★ 4 · TRUE CASH FLOW ← the part others hide
Lenders count only rent ÷ PITIA — they ignore vacancy, management, repairs and CapEx. This tab shows your REAL monthly cash flow, cash-on-cash return, and a TRUE DSCR with every cost in. Never again buy a deal that qualifies on paper but bleeds cash.

★ 5 · GUIDE & TIERS
The 2026 lender playbook — DSCR tiers, down payment, credit, rates, reserves and terms, in plain English.

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✦ WHY IT'S DIFFERENT ✦
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✔ Interest-only vs P&I handled correctly
✔ Lender DSCR AND investor true cash flow, side by side
✔ Institutional logic, clean design, zero setup
✔ Sample numbers load on open — see it working instantly

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✦ WHO IT'S FOR ✦
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▸ Real estate investors sizing a DSCR loan
▸ Self-employed & LLC buyers who can't use W-2 loans
▸ Landlords scaling a rental portfolio
▸ Agents & brokers running numbers for investor clients
▸ First-timers learning how lenders really decide

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✦ DETAILS ✦
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📥 Instant digital download — no physical item ships
💻 Works in Excel AND Google Sheets, plus the browser app
📊 Sample data included — ready to use immediately
♾ Lifetime access — download once, use forever

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✦ HOW TO USE ✦
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1 · Open the app in your browser, or the workbook in Excel / Google Sheets
2 · Fill in the property, loan and rent numbers
3 · Read your DSCR verdict, borrowing power and true cash flow
4 · Adjust rent, rate or down payment to hit your target

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Educational tool only — not financial advice. DSCR programs and terms vary by lender; always verify current figures before making an investment decision.

Analyzing the whole deal, not just financing?
▸ EYRIE Deal Analyzer ▸ Cap Rate Calculator ▸ Portfolio & Net Worth Toolkit — all in the shop.

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EYRIE — institutional real estate tools,
made to use, not to learn.
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https://eyriefinance.com/