DSCR Calculator
Calculate your DSCR instantly
Enter your rental income, loan details, and monthly expenses. Your debt service coverage ratio updates in real time so you can see exactly where your deal stands.
Interactive Calculator
DSCR Calculator
Adjust any field and the results update automatically. No form submission required.
For illustrative purposes only. Actual qualification depends on credit, property type, and lender guidelines.
How It Works
Understanding DSCR
DSCR stands for Debt Service Coverage Ratio. It is the primary qualification metric for rental property loans that do not require personal income documentation.
The Formula
DSCR is calculated by dividing the property's gross monthly rental income by the total monthly debt service, which includes principal, interest, taxes, insurance, and HOA if applicable.
What the Numbers Mean
A DSCR above 1.0 means the property generates enough rent to cover its debt service. We require a minimum DSCR of 0.80, with better rates available at higher ratios.
What PITIA Includes
PITIA stands for Principal, Interest, Taxes, Insurance, and Association (HOA) dues. All recurring monthly obligations tied to the property are factored into the denominator of the DSCR calculation.