DSCR Calculator
Check whether a rental's income covers its debt. Enter rent, financing, and expenses to get the debt-service coverage ratio and monthly cash flow.
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≥1.25 is strong; ≥1.0 covers the debt; below 1.0 is negative.
Estimates only — not a commitment to lend. Your numbers stay in your browser until you save.
DSCR Calculator FAQs
A DSCR loan qualifies the property, not your personal income. Lenders look at the debt-service coverage ratio — the property's rent divided by its total monthly payment (principal, interest, taxes, insurance, and HOA).
Most lenders want a DSCR of at least 1.0, meaning the rent fully covers the payment. A ratio of 1.25 or higher is considered strong and often unlocks better terms. Below 1.0 means the property runs at a monthly loss.
PITIA is the full monthly housing cost: Principal, Interest, Taxes, Insurance, and Association (HOA) dues. DSCR is measured against PITIA, not just principal and interest.
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