DSCR guides: both sides of the fraction
These guides explain how a debt service coverage ratio is calculated, which rent and payment figures lenders use, how to read the result and how to improve it. Each one opens with a quick answer, then shows the math.
How to Calculate DSCR on a Rental, With Worked Examples
The DSCR formula for rental property, step by step: monthly rent over full PITIA, three worked examples, and the input mistakes that skew the ratio.
Read the guide →Guide 2What Is a Good DSCR? How to Read 0.75, 1.00 and 1.25
What your DSCR says about a rental: why 1.00 is break-even, what a cushion above it buys you, and how wholesale lenders treat ratios below 1.00.
Read the guide →Guide 3What Counts as Rental Income in a DSCR Loan Calculation
Leases, appraisal market rent, vacant units and short-term bookings: how lenders decide the rent figure on top of your DSCR, and how to estimate it yourself.
Read the guide →Guide 4What Counts as Debt Service? PITIA Explained for DSCR
Principal, interest, taxes, insurance and HOA dues: what goes into the payment under your DSCR, how interest-only changes it, and the costs that are left out.
Read the guide →Guide 5How to Improve a Low DSCR Before You Apply for a Loan
Seven practical levers that raise a rental's DSCR before you apply: loan amount, price, verified rent, insurance, taxes, loan structure and property choice.
Read the guide →Guide 6Commercial DSCR vs. Rental DSCR: Two Ratios, One Name
Why a commercial DSCR built on net operating income differs from the gross-rent-over-PITIA ratio on 1-4 unit rental loans, with a side-by-side example.
Read the guide →Ready to discuss your rental property ratio?
Send the rent, the property and what you want to do. We take the scenario to multiple wholesale lenders, show how each one reads your DSCR, and explain the tradeoffs before you commit to anything.