DSCR Calculator

Check if your rental property's income qualifies for a DSCR loan.

What This Tool Does

The DSCR Calculator determines whether your rental property generates enough income to qualify for a DSCR loan. Enter your monthly rent, mortgage payment (PITIA), and see your debt service coverage ratio instantly. Most lenders require a minimum DSCR of 1.0x to 1.25x — this tool shows you exactly where your property stands.

Property & Loan Details

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30%Loan Amount: $300,00095%
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0%20%
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Amortization Type

DSCR Ratio

1.09x

Qualifies

Monthly Breakdown

Income

Gross Rent$3,200
Management Fee (10.0%)-$320
Effective Monthly Income$2,880

Monthly Obligations (PITIA)

Principal & Interest$2,098
Property Taxes$400
Insurance$150
HOA Fees$0
Total PITIA$2,648

Annual Summary

Net Operating Income$34,560
Total Debt Service$31,772

Max Loan Amount for 1.25x DSCR

$250,853

Based on current income and expenses

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What You'll Need (Inputs)

  • ●Monthly gross rent
  • ●Monthly mortgage payment (P&I)
  • ●Property taxes (annual)
  • ●Insurance (annual)
  • ●HOA fees (if applicable)
  • ●Property management fees

What You'll Get (Outputs)

  • ●DSCR ratio
  • ●Qualification status
  • ●Monthly net operating income
  • ●Annual debt service
  • ●Suggested max loan amount

Perfect For

Related Loan Program

DSCR / Rental Loans →

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