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AnswerLive data

Can Claude calculate DSCR for a rental loan?

Yes, if you give it every number, but the loan payment math is where long answers slip. DSCR is qualifying rent divided by the full monthly housing cost, and that cost needs an exact amortized payment plus tax, insurance and HOA. Claude also can't know which vacancy factor or ratio band your lender uses. Connect the free DSCR Loan Calculator server and Claude gets the exact payment, PITIA and ratio, the largest loan a target DSCR allows, and the rent you'd need.

Connect free, no token DSCR loan calculator MCP server

What Claude does alone, and what needs the server

Claude on its own

  • Explains DSCR, PITIA and why lenders want 1.0 or 1.25.
  • Gets a close answer when you supply the monthly payment yourself.

With the DSCR Loan Calculator server

  • The exact principal and interest payment for any rate and term, or interest only.
  • The maximum loan for a target DSCR and LTV, and the rent needed to hit it.
  • Side by side scenarios for down payment and rate.

A real call to the live server

We sent this to the hosted server on 2026-11-03. The answer below is the server's own text, not a mock-up. Live values will differ when you ask.

You ask

A rental rents for $2,400 a month. I buy it for $300,000 with 25% down at 7.25% for 30 years. Tax is $3,600 a year and insurance $1,500. What is the DSCR with 5% vacancy?

Tool call

calculate_dscr {"monthly_rent":2400,"purchase_price":300000,"down_payment_pct":25,"annual_rate_pct":7.25,"term_years":30,"annual_property_tax":3600,"annual_insurance":1500,"vacancy_pct":5}

Server answer

A $225,000.00 loan at 7.25% over 30 years has a monthly payment of $1,534.90 and PITIA of $1,959.90. Qualifying rent of $2,280.00 gives a DSCR of 1.16 (exact 1.163325), in the 1.00 to 1.24 band. Rent covers PITIA. Many DSCR programs accept 1.00 or more; lenders that want 1.25 will not.

Connect it in 1 minute

One URL, no token, no account. In Claude.ai or Claude Desktop open Settings, then Connectors, then Add custom connector, and paste the URL.

Connector URL

https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http dscr-loan-calculator https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp

Cursor (~/.cursor/mcp.json)

{
  "mcpServers": {
    "dscr-loan-calculator": {
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code (.vscode/mcp.json)

{
  "servers": {
    "dscr-loan-calculator": {
      "type": "http",
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

All 5 tools, sources and more prompts: DSCR loan calculator MCP server · DSCR Radar

Questions

Can Claude calculate DSCR for a rental loan?
Yes, if you give it every number, but the loan payment math is where long answers slip. DSCR is qualifying rent divided by the full monthly housing cost, and that cost needs an exact amortized payment plus tax, insurance and HOA. Claude also can't know which vacancy factor or ratio band your lender uses. Connect the free DSCR Loan Calculator server and Claude gets the exact payment, PITIA and ratio, the largest loan a target DSCR allows, and the rent you'd need.
Is 1.16 good enough for a DSCR loan?
Many programs accept 1.00 or more, and some want 1.25. Minimums and pricing differ by lender, so the server labels the band and doesn't approve anything.
Does it use current mortgage rates?
No. You give it the rate your lender quoted. It doesn't fetch market rates.
Is the server free?
Yes. The DSCR Loan Calculator server is free at its hosted URL with no token, key or account. The source is open on GitHub.

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