Your DSCR
- Principal & interest
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- Full payment (PITIA)
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- Largest loan the rent supports at 1.05x
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Submit the dealEstimates only. Not an offer, a quote, or a commitment to lend. Actual loan amount, rate, points, and fees depend on the property, the appraisal, your credit and experience, and underwriting.
How the DSCR calculation works
DSCR stands for debt service coverage ratio. For a rental property, it's the monthly rent divided by the full monthly payment:
DSCR = monthly rent ÷ monthly PITIA
PITIA = principal and interest + property taxes + insurance + HOA dues (taxes and insurance converted to monthly).
A DSCR of 1.00x means the rent exactly covers the payment. Above 1.00x, the property throws off some cash after the loan is paid; below it, you're feeding the property every month. Our DSCR rental loan program requires a 1.05x minimum, so the rent has to cover the payment with a little room to spare.
The interest rate defaults to our "rates from" figure for DSCR loans. That's the lowest rate offered, not a quote — your actual rate depends on your credit, the property, and the deal. Try a higher rate to see how sensitive your ratio is.
If your DSCR comes up short
There are only three levers: borrow less, pay less for the property, or find more rent. The "largest loan the rent supports" figure shows how far the loan would need to shrink for the numbers to clear the minimum at the rate you entered. Lower taxes or insurance help too, but they're rarely in your control.
Lenders generally use the lower of the actual lease and the appraiser's market rent, so don't plug in an optimistic number. More on how lenders look at it in our guide: what is a DSCR loan?
Estimates only. This calculator doesn't account for every cost a lender may include, and it isn't an offer, quote, or commitment to lend. All loans subject to underwriting and approval.