Educational tool
DSCR Calculator
Calculate your Debt Service Coverage Ratio for an investment property. DSCR = monthly rent ÷ monthly PITIA. Most DSCR lenders require 1.00 or higher. Educational tool — no rate quote, no loan offer.
Inputs
Property tax varies by county. The preset is a typical effective statewide approximation.
Illustrative. Real rates vary by lender, credit score, LTV, and market.
Result
- < 1.00: rent doesn't cover payment. Typically won't qualify for most DSCR programs.
- 1.00 – 1.24: acceptable at some lenders, usually with higher down or rate.
- 1.25 – 1.50: standard range. Most DSCR lenders offer their best pricing here.
- > 1.50: strong cash flow. Best terms available.
Notes on this calculator
This calculator computes DSCR assuming a fully amortized loan (principal + interest). Some DSCR programs offer interest-only options during early years; in those cases the P&I payment is lower during the IO period, which temporarily improves the DSCR. Consult a licensed lender for actual terms.
Property tax presets are statewide averages; they vary by county and by applicable exemptions (for instance, investment properties generally don't qualify for homestead exemption). Insurance varies with flood zone, hail/wind zone, and property type.
This page is informational and is not a rate quote or loan offer. See our DSCR guide for program requirements, or Foreign National if you're a non-resident investor.
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