DSCR calculator
Enter the monthly rent and the full payment pieces to get the property's debt service coverage ratio: rent divided by PITIA. Above 1.00 means the rent covers the payment. Nothing is saved or sent; the math runs in your browser.
How to use the numbers
Rent: use what similar homes nearby actually rent for, or the amount on a signed lease. A lender will usually confirm market rent through the appraisal, so optimistic guesses tend to get trimmed.
Taxes and insurance: get the current tax bill from the county or the listing, and an actual quote for a landlord policy. On a purchase, estimate taxes on your price, since many counties reassess after a sale.
Rate: we leave the rate blank on purpose. Use the rate from a real quote. Rates change constantly and depend on your credit, down payment, property and loan structure, so any number we prefilled would just be a guess.
What it leaves out: repairs, vacancy, property management and capital items like a new roof. DSCR tells you if the rent covers the loan payment, not whether the property is a great investment. Keep a separate budget for those costs.
Want worked examples? Read how to calculate DSCR on a rental, then what a good DSCR looks like. Need the rent or loan size that hits a target ratio? Use the break-even rent and target-ratio tools.
Like what the numbers say?
Send us the scenario and we will shop wholesale lenders for business-purpose DSCR programs that fit it.