DSCR calculator

See how a rental property’s income compares with its monthly payment — the ratio DSCR lenders look at.

Monthly rent

Purchase price / value

Loan-to-value (%)

Interest rate (%)

Monthly taxes

Monthly insurance

Monthly HOA

Interest-only

Uses a 30-year amortization unless interest-only is checked. Illustrative only.

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Debt service coverage ratio

How to read your DSCR

1.25 or higher: strong coverage that works for most programs.
1.00 – 1.24: the rent covers the payment; many programs accept it.
Below 1.00: the rent does not cover the payment. Some programs allow it with less leverage or other tradeoffs.

New to DSCR loans? Read what a DSCR loan is, or see our DSCR loan programs.