What DSCR do lenders require?

Most DSCR lenders approve at a 1.00 minimum, with 1.25+ being the lender-preferred range. Some lenders will go below 1.00 with strong compensating factors like higher credit, lower LTV, or larger reserves.

PITIA stands for Principal, Interest, Property Taxes, Insurance, and Association (HOA) dues — the full monthly cost of owning the property used in DSCR calculations.

What's the maximum LTV for a DSCR loan?

DSCR lenders typically go up to 80% LTV on purchases and 75% LTV on refinances.

Do DSCR loans require income verification?

No. DSCR loans qualify based on the property's rental income covering the debt — not the borrower's W-2 income or tax returns.

What DSCR do lenders require?

Most DSCR lenders approve at a 1.00 minimum, with 1.25+ being the lender-preferred range. Some lenders will go below 1.00 with strong compensating factors like higher credit, lower LTV, or larger reserves.

PITIA stands for Principal, Interest, Property Taxes, Insurance, and Association (HOA) dues — the full monthly cost of owning the property used in DSCR calculations.

What's the maximum LTV for a DSCR loan?

DSCR lenders typically go up to 80% LTV on purchases and 75% LTV on refinances.

Do DSCR loans require income verification?

No. DSCR loans qualify based on the property's rental income covering the debt — not the borrower's W-2 income or tax returns.

DSCR CALCULATOR

Know if the rental deal deserves your time.

Calculate DSCR, LTV, PITIA, cash to close, and reserves before you apply. If the numbers work, send the deal while the momentum is hot.

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Deal Inputs

Enter your property and loan details

Property Price ($)

Down Payment (%)

Interest Rate (%)

Loan Structure

Monthly Rent ($)

Annual Property Taxes ($)

Annual Insurance ($)

Monthly HOA ($)

Existing Loan Balance ($)

Interest-Only Note: During the IO period, your monthly payment is interest only — no principal paydown. After the IO period ends, the remaining balance amortizes over the shorter remaining term, resulting in higher payments. Most investors refinance before that happens.

⚖️ DSCR Quick Guide

1.45+ Exceptional Top-tier deal — fast approval, best terms

1.25 – 1.44 Strong Lender-preferred range

1.10 – 1.24 Good Qualifies — better terms above 1.25

1.00 – 1.09 Passing Approves with lower LTV or more reserves

0.85 – 0.99 Needs Work Below 1.0 — possible with strong offsets

Below 0.85 Walk Away Cash is gonna flow away from you!

Deal Results

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DSCR Debt Service Coverage Ratio

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Enter details

Lenders approve at 1.00+ — 1.25+ preferred

Loan Amount —

Loan-to-Value (LTV) —

Est. Cash Out Available —

Existing Loan Payoff —

Monthly P&I —

Monthly Taxes —

Monthly Insurance —

Monthly HOA —

Total PITIA —

Monthly Rent —

💰 What You'll Need to Close This Deal

Down Payment — Est. Closing Costs (~5%) — 6-Month Reserves (PITIA)* — Cash to Close — Total Needed in Your Account —

*Reserves are not paid at closing. Lenders require roughly 6 months of mortgage payments sitting in your bank account at closing. You keep this money — it's proof you can cover the property if it sits vacant.

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This calculator provides estimates only. Actual DSCR calculations may vary by lender. All loan terms subject to lender approval.