DSCR Calculator
Instantly estimate whether your rental property qualifies for DSCR financing
LLC & Entity Ownership Eligible
Calculate DSCR Ratio - See If Your Property Qualifies
Use our free DSCR (Debt Service Coverage Ratio) calculator to quickly see whether your investment property meets common DSCR loan requirements. Enter a few numbers and get an instant snapshot of how lenders may view your deal.
DSCR Calculator
How To Evaluate DSCR
This calculator provides an estimate of how lenders may view your property’s cash flow.
- Your estimated Debt Service Coverage Ratio (DSCR)
- Based on monthly rent vs. PITIA
- Common metric used in DSCR loan underwriting
- DSCR is not a hard pass/fail
- Guidelines vary by lender, credit, LTV
- Some programs allow DSCR below 1.00
How Lenders Typically View your Ratios
A DSCR around 1.00 generally satisfies baseline lender guidelines, while higher ratios—such as 1.25 or above—reflect stronger cash flow and can unlock more competitive loan terms.
Understanding DSCR
WHAT IS DSCR?
Debt Service Coverage Ratio (DSCR) evaluates if a rental property generates enough income to pay its mortgage and related costs.
P
I
T
I
A
Principal
Int.
Taxes
Ins.
HOA
DSCR= Monthly Rental Income ÷ Monthly PITIA
Minimum DSCR Requirements
General DSCR Guidelines
1.20+
1.00-1.19
0.70 - 0.99
How Lenders View It
1.20+ Considered strong. Often qualifies for best rates.
1.00-1.19 Generally acceptable for most DSCR programs
0.70 - 0.99 May still qualify with compensating factors, lower LTV, or strong credit.
Even if your DSCR is lower, options may still exist. Program guidelines vary by lender.
CALCULATION EXAMPLES
DSCR 1.25
Monthly Rent: 8.500
PITIA: 2.000
DSCR =
2.500 + 2.000 = 1.25
Highly favored by lenders due to strong cash flow.
DSCR 1.00
Monthly Rent: 2.000
PITIA: 2.2000
DSCR =
2.000 + 2.000 = 1.00
Break-even — often still eligible with strong LTV/credit.
DSCR 0.90
Monthly Rent: 1.800
PITIA: 2.2000
DSCR =
1.800 + 2.000 = 0.90
cash-flow gaps can still be acceptable based on lender criteria.
Unsure how your ratios compare? Talk with a DSCR specialist to determine if your property qualifies.
The Value of Working With a DSCR Specialist
Close on Time
Quick 21-day closings with expert DSCR support.
Better Rates
We compare 20+ DSCR lenders to secure the best rates and terms.
Flexible Underwriting
Solutions for lower DSCR, unique properties, and complex deals.