Terms of Service

Results Are Estimates

The DSCR ratio, monthly payment, total debt service, and all other outputs produced by this calculator are mathematical estimates based on the inputs you provide. They do not account for lender-specific overlays, property condition adjustments, title or closing costs, HOA fees, or any other factor not included in the inputs.

A favorable result from this calculator does not mean you will be approved for a loan. Actual loan approval depends on a lender's full underwriting review of your financial situation, credit history, and the property itself.

Not Financial Advice

Nothing on this site constitutes financial advice, mortgage advice, investment advice, or legal advice. The content, calculator results, and articles on this site are for informational and educational purposes only.

Before making any financing or investment decision, consult a licensed mortgage professional, financial advisor, or other qualified professional who can review your specific circumstances.

No Guarantee of Accuracy

While we make reasonable efforts to ensure the accuracy of the calculator and the information published on this site, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, or suitability of any information provided.

Lending requirements, interest rates, and market conditions change. Information on this site may not reflect current conditions at any specific lender.

User Assumes Responsibility

By using this calculator and reading the content on this site, you acknowledge that any decisions you make based on the information provided are made at your own risk. You assume full responsibility for any financial or other consequences that result from your use of this site.

Limitation of Liability

To the maximum extent permitted by applicable law, Calculate DSCR and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, the calculator, or any information contained herein — including any financial loss resulting from decisions made based on calculator results.

Acceptable Use

You may use this site for personal, non-commercial purposes. You may not scrape, reproduce, or republish the content of this site without written permission. You may not use this site for any unlawful purpose.

Governing Law

These terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions.

Changes to These Terms

We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the updated terms. The "last updated" date at the top of this page reflects the most recent revision.