DSCR Formulas is a free, no-signup calculator suite built specifically for real estate investors. Our mission is simple: give every investor fast, accurate financial tools without the friction of paywalls, logins, or upsells.

Why We Built This

Most "free" real estate calculators hide the most useful features behind paywalls or lead captures. The tools that are free are often outdated, slow, or filled with ads. DSCR Formulas is different: clean, accurate, fast, and genuinely free.

We built the DSCR calculator because we needed it ourselves and couldn't find one that was both accurate and ad-free. Once we had it, we figured other investors had the same need — so we shared it.

Our Principles

  • Always free: No paywalls, no premium tiers, no "unlock full results" scams
  • No signup required: Use the calculator anonymously, no email capture
  • Accurate math: Real amortization formulas, real IRS tax logic — no fake numbers
  • Privacy first: We don't collect personal data from the calculator. No tracking beyond standard analytics
  • Honest disclaimers: Every page makes clear these are estimates, not professional advice
  • No lead selling: We don't sell your information to lenders or brokers

Who Uses DSCR Formulas

Our tools are used by:

  • First-time rental property investors evaluating their first deal
  • Self-employed investors who can't qualify for conventional loans
  • Scaling investors managing portfolios of 10+ rental properties
  • Real estate agents helping clients run quick scenarios
  • Mortgage brokers comparing DSCR loan scenarios
  • Real estate investors in 50+ countries

How We Make Money

The site displays ads through Google AdSense. That's it. The ads are contextual (related to real estate investing) and non-intrusive. We never sell user data, never charge for premium features, and never require an account.

This business model keeps the calculator free for everyone while keeping the site running and our team fed.

Our Network of Tools

DSCR Formulas is part of a network of free real estate investor calculators. Each site is a focused tool with deep content, and they cross-link to help you find the right calculation:

Our Team

DSCR Formulas is built and maintained by a small team of real estate investors and developers. We're not a VC-backed company; we're investors who use these tools ourselves.

The site is written and maintained by Don Murphy, a real estate investor who researches DSCR qualification thresholds, lender overlays, and rental property underwriting. Don is not a licensed mortgage broker, CPA, or attorney; the content here is educational and should be reviewed with a qualified professional before acting on it.

Contact

Have a question, suggestion, or found a bug? Visit our contact page.

Disclaimer: DSCR Formulas provides educational tools and information only. We are not a lender, broker, financial advisor, or tax professional. Always consult qualified professionals before making financial, investment, or tax decisions.