Calculate your Debt Service Coverage Ratio instantly
Start with a realistic sample deal, then adjust the numbers to match your property.
| Scenario | Rate | DSCR | Qualifies? |
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Use your result as a starting point, then confirm pricing, leverage, reserve requirements, and property eligibility with a DSCR loan specialist.
Enter the property’s monthly rent, your target loan amount, and the rate and term you want to test. If you want a more conservative estimate, turn on additional expenses and include taxes, insurance, HOA dues, and a vacancy factor.
Many DSCR lenders look for at least 1.20 to 1.25, although the exact threshold can vary by program, property type, leverage, and your broader file strength. In general, the higher the DSCR, the more cash flow cushion the property shows.
They can. This calculator lets you include taxes, insurance, HOA or maintenance, and vacancy to create a more conservative estimate of net operating income. Different lenders may underwrite these expenses differently, so the calculator should be treated as directional.
Interest-only payments are often lower than fully amortizing payments, which can improve DSCR in the near term. That said, lenders may apply different pricing, reserves, and program rules to interest-only structures, so qualification is not based on DSCR alone.
Sometimes. A lower DSCR may still be workable when other factors are strong, such as lower leverage, strong reserves, good credit, a desirable property type, or a more favorable market. The calculator helps you estimate the scenario, but a lender still needs to review the full file.