Free Calculator
DSCR calculator
Calculate the Debt Service Coverage Ratio on any investment property in 30 seconds. DSCR is the primary qualification metric for investment-property loans — enter your property's monthly rent and PITIA to see your ratio and which DSCR programs your property qualifies for.
Inputs
Enter your monthly numbers
Estimated mortgage P&I
Your DSCR
Enter your monthly rent and PITIA inputs to calculate your DSCR ratio.
Estimates only. Final terms via underwriting.
Disclaimer: Results are estimates based on inputs you provide. Actual DSCR in underwriting may differ based on appraisal, lease verification, and tax/insurance quotes. Not a commitment to lend. Subject to credit, property, and program guidelines.
How to use this calculator
- 1
Enter monthly gross rent
Use your current lease amount, or — for vacant properties — an appraiser-estimated market rent. For short-term rentals, use trailing 12-month gross STR income averaged to a monthly figure.
- 2
Enter monthly PITIA
PITIA is principal + interest + property taxes + homeowners insurance + HOA dues (if any). Estimate PITI first, then add taxes and insurance on an annualized basis divided by 12.
- 3
Read your DSCR ratio
The ratio is rent divided by PITIA. 1.0 means rent covers the payment exactly. Above 1.0 means cash flow after debt service. 1.25+ generally qualifies for best pricing tiers.
- 4
Check qualifying programs
DSCR 1.0+ qualifies for standard DSCR programs. DSCR 0.75–1.0 may qualify for No-Ratio DSCR (at reduced LTV). DSCR below 0.75 typically routes to Easy 50 (no minimum DSCR, 50% LTV cap).
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Questions
DSCR calculator FAQs
DSCR (Debt Service Coverage Ratio) is the primary qualification metric for investment-property loans. It measures whether a property’s rental income covers the mortgage payment. A DSCR of 1.0 means rent exactly covers PITIA. Above 1.0 is cash flow after debt service; below 1.0 is a loss. Lenders use DSCR to qualify investment-property borrowers without looking at personal tax returns.
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