DSCR Calculator
A DSCR loan is qualified on the property's rent, not your tax returns. Enter the rent and the costs, and see the ratio lenders look at and the largest loan the rent can carry.
Debt service coverage ratio
1.04
The rent covers the payment.
- Principal and interest78%
- Taxes14%
- Insurance4%
- Cash flow left4%
- Monthly rent
- $4,200
- Principal and interest
- $3,274
- Taxes, insurance and HOA
- $750
- Full monthly payment (PITIA)
- $4,024
- Monthly cash flow before other costs
- $176
- Largest loan at a 1.20 DSCR
- $403,122
At 7.25% over 30 years, this rent supports a loan of about $403,122 while keeping a 1.20 ratio.
Estimates for illustration only, not a loan offer or a commitment to lend. Rates, taxes, insurance and program rules vary; our team will confirm exact figures for your situation.
How this calculator works.
Lenders divide the monthly rent by the property's full monthly housing payment: principal and interest, property tax, insurance and HOA. A ratio of 1.0 means the rent exactly covers the payment.
Most DSCR programs look for 1.0 to 1.25 or higher; stronger ratios typically earn better pricing, and some programs lend below 1.0 at higher rates.
The maximum loan is solved in reverse: the largest loan whose full payment still meets your target ratio at the rate and term you enter.
DSCR = monthly rent ÷ (principal and interest + taxes + insurance + HOA).
Common questions.
Turn the estimateinto real numbers.
Answer a few questions and our team will price your scenario with current rates and the right program.
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