Free tool

DSCR Calculator

Enter the property's numbers to see its Debt Service Coverage Ratio and the pricing tier lenders will likely put it in. Nothing is saved, and there is no signup wall.

Monthly rent ($)

Use the lease in place or a conservative market rent.

Loan amount ($)

Interest rate (%)

Loan term (years)

Annual property tax ($)

Annual insurance ($)

Monthly HOA / dues ($)

How to read the result

1.25 and above: strong cash flow, the best pricing tier.
1.00 to 1.24: the property covers its payment; widely financeable.
Below 1.00: a shortfall; fewer lenders, higher cost, larger down payment.

This is an estimate using the common monthly method, rent divided by PITIA. Lenders may use the lower of your lease or an appraiser's market rent. For the full explanation, read what a DSCR loan is, then check your profile with the pre-qualifier.