DSCR (Debt Service Coverage Ratio) Analyzer
Determine if your investment property generates enough rental income to cover its debt obligations.
Input your parameters to generate the DSCR Analyzer results.
How to Use This Calculator
Get accurate results in seconds by following these simple steps.
Enter Monthly Rent
Input the gross monthly rental income the property generates or is expected to generate.
Input Debt Obligations
Enter the monthly principal, interest, taxes, insurance, and HOA for the property.
Check Eligibility
Click Calculate to see your DSCR ratio and whether it meets lender minimum requirements.
Why Use This Tool?
No Personal Income Needed
DSCR loans qualify based on rental income alone — ideal for self-employed investors.
Lender-Ready Metrics
Output maps directly to the underwriting criteria used by DSCR investment lenders.
Portfolio Scaling
Evaluate multiple properties quickly to build a cash-flowing investment portfolio.
Understanding the DSCR Formula
The Debt Service Coverage Ratio (DSCR) is a crucial metric used by specialized real estate lenders to qualify investment properties without analyzing the borrower's personal income.
The ratio compares the property's gross monthly rental income to its total monthly debt obligations (PITIA: Principal, Interest, Taxes, Insurance, and HOA).
A DSCR of 1.0 means the property breaks even. A ratio above 1.0 indicates positive cash flow, while below 1.0 indicates the property loses money monthly.
Frequently Asked Questions
Most DSCR lenders require a minimum ratio of 1.20 to 1.25 for standard rates. Ratios between 1.0 and 1.15 may be acceptable but often come with higher interest rates.
It depends on the lender. Some lenders apply a standard 25% vacancy/maintenance haircut to the gross rent before calculating the final DSCR, while others look purely at the gross lease.
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