DSCR Calculator
Estimate residential investment-property DSCR using rental income and housing expenses.
Property & Financing
DSCR (Debt Service Coverage Ratio) compares the property's monthly gross rent with its total monthly housing expense. Lender requirements vary by program.
Required Monthly Rent at Mathematical DSCR Thresholds
Mathematical examples only — not universal lender underwriting standards.
This calculator is for informational and illustrative purposes only. Results are estimates, do not constitute a loan approval, commitment to lend, quote or qualification, and actual program requirements may vary.
What the DSCR calculator estimates
Compare a residential investment property's monthly rent with estimated PITIA housing expense to calculate a planning DSCR and the rent needed for selected coverage thresholds.
Information used
Main inputs include rent, loan terms, property taxes, insurance and HOA dues.
A calculated ratio does not determine qualification. Lender definitions, vacancy treatment and program rules vary.