The Best DSCR Calculator for Your Next Deal
Get actionable insights to improve your debt service coverage ratio and make the numbers work for your deal.
Monthly Rent Ă· Monthly Obligations
That’s your debt service coverage ratio, or DSCR. If monthly rent is $2,500 and your monthly obligations (loan payment, property taxes, insurance, and HOA dues) are $2,000, your DSCR is 1.25.
That leaves $500 a month before repairs, property management, or time without a tenant. Lenders also look at your credit, savings, and how much you need to borrow.
See the MathUnderstand Your Estimate.
How Is DSCR Calculated?
Divide monthly rent by the total monthly mortgage payment, including taxes, insurance, and HOA dues. A 1.00 means the rent exactly covers that payment. A 1.25 means the rent is 25% higher than the payment.
Does a Strong Result Mean Approval?
No. It means the rent looks strong compared with the payment. A lender still needs to check your credit, savings, property value, and paperwork before approving the loan.
Can a Deal Work Below 1.00?
Sometimes, but you’re paying part of the mortgage out of your own pocket. Some lenders may consider it if you borrow less, have strong credit, or keep more savings. First, see whether a lower price, smaller loan, or realistic rent increase can make the numbers work.
Why Can a Lender Get a Different Ratio?
A lender may use a different rent estimate, interest rate, tax bill, or insurance cost. Use this calculator to screen the deal, then have the lender confirm the numbers.
What Makes the Best DSCR Calculator Useful?
It should tell you more than a number. It should explain why the deal works, what to change, or when to walk away.
Know What Would Make the Deal Work.
See how much more rent you’d need, how much more money to put down, or how a different loan could lower the payment. Change the numbers and see the results right away.
Understand the DSCR CalculationKnow How Much Cash You Need.
For a purchase, see your down payment, estimated closing costs, and money to keep in the bank. For a refinance, see what’s left after paying off your old loan and fees. No surprises hidden behind a ratio.
Explore DSCR Loan OptionsHave a rental in mind?
Turn Your Numbers Into a Funding Quote
Buying, refinancing, or exploring a potential deal? Send what you know for a no-obligation quote.
Get My No-Obligation Quote