DSCR Loan Calculator
See whether a rental property covers its own financing. Enter the rent and loan details below to get your debt-service-coverage ratio, your pricing tier, and a rough maximum loan amount — instantly, with no signup.
DSCR Calculator
Enter the rent and financing for the property. We compute PITIA, your debt-service-coverage ratio, and a rough maximum loan amount.
DSCR 1.00–1.24 — the property covers its payment. Qualifies with most DSCR lenders at standard terms.
- Principal & interest
- $1,740/mo
- Taxes + insurance + HOA
- $500/mo
- PITIA (total payment)
- $2,240/mo
- Rough max loan @ 1.00× DSCR
- $278,520
Estimate only. PITIA assumes principal & interest plus the taxes, insurance, and HOA you entered — not escrow shortfalls or reserves. Not a rate lock, quote, or commitment to lend. Actual DSCR pricing and leverage depend on credit, property, and lender program.
How to use this calculator
DSCR is the number rental lenders use instead of your personal income. It compares what a property earns to what it costs to finance:
DSCR = Gross Monthly Rent ÷ PITIA
PITIA is the full monthly payment — principal, interest, taxes, insurance, and HOA. This tool computes the principal-and-interest portion from your loan amount, rate, and term using a standard amortization formula, adds your annual taxes and insurance (divided by 12) plus any monthly HOA, and divides your gross rent by the total.
- ≥ 1.25 — strong; best rates and highest leverage.
- 1.00–1.24 — standard; the property covers its payment.
- below 1.00 — limited; financeable via low-DSCR programs.
Two inputs make or break a real result: use the actual county property-tax rate and a current insurance quote. In high-tax states like Texas or high-insurance markets like coastal Florida, those line items can pull a strong-looking deal below 1.0. For the full qualification picture, see DSCR loan requirements and current DSCR loan rates.
Frequently asked questions
How do you calculate DSCR?
DSCR equals the property’s gross monthly rent divided by its PITIA — principal, interest, taxes, insurance, and HOA. This calculator builds PITIA from your loan amount, rate, and term plus the annual taxes, insurance, and monthly HOA you enter, then divides gross rent by that figure.
What is a good DSCR for a loan?
A DSCR of 1.0 means the property exactly covers its payment. 1.25 or higher is the strongest tier with the best rates and leverage; 1.00–1.24 is standard; below 1.00 is financeable through low-DSCR or no-ratio programs at lower leverage or with more reserves.
How is the "rough max loan" calculated?
It solves for the principal whose total payment (PITIA) keeps your DSCR at the target ratio you set, using the same rate, term, and fixed costs you entered. It’s an estimate to frame your buying power, not a loan approval.
Is this calculator a loan offer?
No. It’s an educational estimate. Actual DSCR pricing, leverage, and approval depend on your credit, the property, the appraiser’s market rent, and the lender’s program. For real terms, request a quote.
Like what the numbers show?
Turn your calculation into a real DSCR quote. Send us the property and we'll confirm your rate, leverage, and terms.