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DSCR Calculator

Check whether a rental's income covers its full payment, and the rent you'd need.

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Lease or appraiser's market rent

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Debt service coverage ratio

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    Estimates only, based on the numbers you enter. Not a Loan Estimate, rate quote, offer or commitment to lend. Actual terms depend on credit, property, program and market conditions.

    How DSCR is calculated

    DSCR = monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance and association dues). Some programs calculate interest-only loans using the interest-only payment; others use a fully amortizing payment.

    What it doesn't include

    Vacancy, repairs, capital expenses and management. A deal can pass a lender's ratio and still be thin. Read the full DSCR loan guide, including how I stress-test a deal.

    Common questions

    What is DSCR in real estate lending?

    Debt service coverage ratio compares a rental's monthly rent with its full monthly payment: principal, interest, taxes, insurance and association dues (PITIA). A 1.00 ratio means the rent exactly covers the payment.

    What DSCR do lenders require?

    It varies by program. Many offer better terms at 1.20 to 1.25 or higher, and some allow ratios below 1.00 with more equity and reserves. Read the DSCR loan guide for how lenders set rent and run the math.

    Want real numbers for your scenario?

    I'll run your situation against actual program guidelines and walk you through every line.

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