DSCR calculator
One ratio decides the deal: gross monthly rent divided by monthly PITIA. Put in your real taxes and insurance — those two lines sink more files than the rate does.
Property numbers
The property covers itself. This qualifies with most DSCR programs, though pricing usually improves once you clear 1.25.
- Principal & interest
- $2,307
- Taxes / month
- $400
- Insurance / month
- $150
- HOA / month
- $0
- PITIA (total)
- $2,857
DSCR = monthly rent ÷ monthly PITIA. Figures are estimates for planning only and are not a quote or commitment to lend.
For estimation only. Not an offer, a quote, or a commitment to lend. Actual terms depend on appraisal, program guidelines and underwriting. Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.
Want the proceeds number instead? Open the cash-out calculator.
How to read your result
Rent doesn't cover the payment. Options: lower the loan amount, switch to interest-only, or use a reduced-leverage program.
Bankable but tight. Most programs will lend; pricing isn't at its best. Small changes to loan amount or structure move you up a tier.
The sweet spot. Maximum leverage and best available pricing, with room for taxes or insurance to move against you.
DSCR calculator FAQ
Know your DSCR? Get real terms.
Send the property numbers and we'll come back with a structure that actually clears underwriting.
Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.