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Loans › DSCR Calculator

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.

Explore DSCR rental loans →

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DSCR Calculator

Adjust any field and the results update automatically. No form submission required.

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.

DSCR = Monthly Rent / Total PITIA

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.

1.25+: Qualifies, strong cash flow

0.80-1.24: Qualifies with compensating factors

Below 0.80: Does not meet minimum DSCR

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.

P: Monthly principal payment

I: Monthly interest payment

T: Property taxes (monthly)

I: Hazard and flood insurance

A: HOA dues, if applicable