Calculators · DSCR
What’s your DSCR ratio?
Enter a property's rent and its full payment below to find its Debt Service Coverage Ratio — the number DSCR lenders use to qualify an investment property on its own income. Runs entirely in your browser.
How do you calculate DSCR on a rental property?
Debt Service Coverage Ratio (DSCR) equals a property's gross monthly rent divided by its full monthly payment — principal, interest, taxes, insurance, and HOA (PITIA). A ratio of 1.0 means the rent exactly covers the payment; 1.25 means the rent covers the payment with 25% left over. DSCR loans use this ratio, rather than a borrower's personal income, to qualify an investment property — many lenders look for 1.10–1.25 or higher, though some programs allow lower ratios with adjustments.
DSCR Calculator
Enter the property’s rent and its full payment to find the ratio.
Cushion above break-even. The rent covers the full payment with room to spare. Many DSCR lenders like to see 1.10–1.25 or higher — the higher the ratio, the easier the deal typically is to place.
This runs entirely in your browser — nothing you enter here is sent, saved, or shared anywhere. It’s a planning estimate, not a pre-qualification, an approval, or a commitment to lend. Lender minimums and treatment of the ratio vary; your actual qualification depends on the full file.
What the DSCR ratio actually tells a lender.
DSCR stands for Debt Service Coverage Ratio. It’s a single number that answers one question: does the rent this property brings in cover the payment it costs to own? The formula is simple — gross monthly rent ÷ PITIA (principal, interest, taxes, insurance, and HOA). A ratio above 1.0 means the property pays for itself with room to spare; at exactly 1.0 the rent breaks even with the payment; below 1.0 the rent falls short on paper.
This is the ratio at the heart of a DSCR loan — a type of non-QM financing built for real-estate investors that qualifies the property, not the person. There’s no fixed cutoff every lender uses; many look for 1.10 to 1.25 or better, and some programs will still work with a ratio below 1.0 by asking for more down or adjusting the rate. If you write off most of your income on your tax returns, a strong DSCR can matter more than what your 1040 shows.
DSCR calculator questions, answered.
What is a DSCR calculator?
A DSCR calculator divides a rental property's gross monthly rent by its full monthly payment — principal, interest, taxes, insurance, and HOA (PITIA) — to produce the Debt Service Coverage Ratio. This one runs entirely in your browser: enter your own numbers and it computes the ratio instantly, with nothing sent anywhere.
What is a good DSCR ratio?
There's no single official cutoff, but many DSCR lenders like to see 1.10 to 1.25 or higher, meaning the rent covers the payment with 10–25% to spare. A ratio of exactly 1.0 is break-even. Some programs allow ratios below 1.0 with adjustments to the down payment or rate — it varies by lender.
What counts in the PITIA payment?
PITIA is principal, interest, taxes, insurance, and HOA dues (if the property has an HOA). It's the full monthly cost of owning the property used in the DSCR calculation — not just the loan's principal-and-interest piece.
Does a DSCR loan use my personal income?
No — that's the whole point of DSCR financing. The property's own rental income is compared against its payment, so your personal pay stubs and tax returns generally stay out of the qualifying decision. It's a common path for investors whose returns are shrunk by write-offs.
Is my data saved when I use this calculator?
No. Every number you enter stays in your browser and is used only to compute the result on screen. Nothing is transmitted, logged, or stored anywhere — you can close the tab and it's gone.
Is this a loan offer or approval?
No. This calculator gives a planning estimate based on the numbers you enter. It is not a pre-qualification, an approval, or a commitment to lend, and it doesn't include or imply any interest rate. Your actual qualification depends on your full file and the specific lender's guidelines.
Like the ratio? Let's price the loan.
Bring the address and the rent — owner Esther Buede will confirm the real numbers and shop DSCR lenders to find the terms that fit your deal.