DSCR Calculator

Estimate your Debt Service Coverage Ratio to see if your investment property qualifies for DSCR financing.

The Debt Service Coverage Ratio (DSCR) is the key metric lenders use to evaluate DSCR loans. It is calculated by dividing the property's gross monthly rent by the total monthly housing payment (principal, interest, taxes, insurance, and HOA — also called PITIA).

A DSCR above 1.0 means the rental income covers the mortgage payment. Most lenders require a DSCR of 1.0 to 1.25 or higher. The stronger your DSCR, the better the rate and terms available.

Use the interactive calculator on this page to enter your property's monthly rent and estimated PITIA to instantly calculate your DSCR and get a sense of your loan eligibility.