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DSCR calculator

Does the rent cover the payment?

Fill in the three cards. Your debt service coverage ratio updates as you type, with a plain-English read on what it means.

1. Income

$/mo
Lease rent, or a conservative market-rent estimate. Add all units together for 2-4 units.

2. Carrying costs

$/yr
Annual amount from the tax bill.
$/yr
Annual landlord policy premium.
$/mo
Monthly. Leave blank if none.

3. Loan

$
%
Use a rate you were quoted or want to test. We don’t suggest rates.
Your DSCR
—
Waiting for numbers

Enter the rent, your costs, a loan amount and a rate you want to test. The ratio appears as soon as there is enough to calculate.

  • Monthly rent$0
  • Principal & interest—
  • Taxes (monthly)$0
  • Insurance (monthly)$0
  • HOA$0
  • Total monthly debt service—
  • Rent minus debt service—
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Estimates only, for planning. Not a loan offer or commitment to lend. Each wholesale lender sets its own requirements, and the ratio is one of several factors reviewed in underwriting.

How the math works

DSCR is monthly rent divided by monthly debt service. Debt service here means principal and interest, plus taxes, insurance and HOA dues. A result above 1.00 means the rent covers the payment; below 1.00 means it falls short. For a full walkthrough, read how to calculate DSCR step by step.

What goes into the monthly payment?

Principal and interest from the loan amount, rate and term you enter, plus one-twelfth of annual taxes and insurance, plus monthly HOA dues.

Why is there no default rate?

Pricing depends on your credit, the property, leverage and the market, and it changes often. Enter a rate you were quoted or want to stress-test.

Is the result a loan approval?

No. It is a planning estimate. Wholesale lenders set their own requirements and review credit, reserves, the appraisal and the property as well.