DSCR Calculator
See your debt service coverage ratio, the most you could borrow, and the rent you need to qualify for a DSCR loan.
Your DSCR
1.05
Qualifies- Monthly rent
- $2,700
- Principal and interest
- $2,229
- Property taxes
- $213
- Insurance
- $125
- HOA dues
- $0
- Total payment (PITIA)
- $2,566
- Monthly cash flow
- $134
- Loan amount
- $318,750 (75% LTV)
- Max loan at a 1.00 ratio
- $337,879
- Max loan at a 0.75 ratio
- $466,595
- Rent needed for a 1.00 ratio at this loan amount
- $2,566
You qualify
1.00 or better opens the most lenders.
You're in range for standard DSCR programs. Let's lock in real pricing and see what interest-only or a different down payment does.
Or call or text Nick: (385) 226-9668. He picks up, even after hours.
How it's calculated
DSCR = monthly rent ÷ monthly PITIA. PITIA is principal and interest (just the interest on an interest-only loan), property taxes, insurance and HOA dues. A 1.00 means the rent exactly covers the payment. This calculator never rounds a ratio up, so 0.999 shows as 0.99. Depending on the program, lenders use the lease or the appraiser's market rent, which is one reason the lender you choose matters.
Frequently Asked Questions
What DSCR do I need for a DSCR loan?
Most programs want 1.00 or higher, meaning the rent covers the full payment. 1.25 or higher usually gets the best pricing. Some programs go down to 0.75, and a few have no minimum ratio at all.
What counts in the DSCR payment?
Principal and interest (or just interest on an interest-only loan), property taxes, homeowners insurance and HOA dues. Lenders compare that full payment to the rent.
Which rent does the lender use?
Usually the lease or the appraiser's market rent estimate. Some lenders use the lower of the two and some use the higher, so the lender you choose matters.
These calculators give estimates for educational purposes only. They are not a loan approval, rate quote or commitment to lend. Interest rates shown are examples you can change. Your actual rate, payment and terms depend on your full application, credit, property and the program you qualify for, and can change without notice. Not all applicants will qualify.
DSCR 1.05 · Qualifies
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