Investor Tool
DSCR Ratio Calculator
Find out if your rental property qualifies for a DSCR loan — and exactly what it would take to get there.
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Gross monthly rent (actual or projected)
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Principal & interest payment only
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Annual tax ÷ 12
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Hazard/landlord insurance ÷ 12
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Leave blank if none
Your DSCR Ratio
1.18
Qualifies
Monthly Rent
$2,500
Gross rental income
Total PITIA
$2,100
All monthly obligations
What you need to qualify
Rent needed to hit 1.0 DSCR (minimum)
$2,100
Rent needed to hit 1.25 DSCR (strong)
$2,625
Additional rent needed for 1.25
$125/mo more
Ready to move forward?
Let's talk through your deal and get you pre-approved. I work with investors nationwide and can often find flexible options others can't.
DSCR = Debt Service Coverage Ratio. Calculated as Gross Monthly Rent ÷ Total Monthly PITIA. Requirements vary by lender — minimum ratios typically range from 0.75 to 1.25 depending on loan program. This calculator is for informational purposes only and does not constitute a loan commitment. Austin Clarence | NMLS #1509690 | NEXA Mortgage
DSCR Rental Calculator
Estimate your debt service coverage ratio and break-even rent for any rental property.
Income mode
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Most DSCR lenders use appraised market rent — not STR income — for loan qualification. Use this mode to model cash flow, then check with your lender for qualifying income.
Property expenses (monthly)
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Loan details
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DSCR ratio
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Enter values above to calculate.
Monthly PITIA
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P&I + taxes + insurance + HOA
Effective gross income
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Gross rent minus vacancy
Loan amount
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P&I payment
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Gross income—
Vacancy deduction—
Effective gross income—
P&I payment—
Property taxes—
Insurance—
HOA / other—
Total PITIA—
Get a free DSCR loan quote →
Austin Clarence · NMLS #1509690 · Nationwide DSCR Specialist · (602) 737-2576
DSCR = Effective Gross Income ÷ PITIA. Most DSCR lenders require a minimum ratio of 1.0–1.25.
A ratio below 1.0 means the property does not generate enough income to cover debt obligations.
Results are estimates only and do not constitute a loan commitment or financial advice.
Contact Austin Clarence for an actual loan quote.