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DSCR calculator for rental property loans
Investor loans often qualify on the property's rent rather than personal income. DSCR tells you how many times the rent covers the housing payment.
DSCR
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Estimate only, using the numbers you entered. Not a loan offer, rate quote or approval. Get Mortgage Funnels is not a lender.
How it works
How is DSCR calculated?
DSCR (debt service coverage ratio) for a rental property loan is monthly rent divided by the monthly housing payment — principal, interest, taxes, insurance and association dues. A DSCR of 1.0 means rent exactly covers the payment; many investor programs look for higher ratios, which vary by lender.
The math
Loan = price × (1 − down %)P&I from the amortization formulaDSCR = monthly rent ÷ (P&I + taxes + insurance + HOA)
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On your site, it does one more thing
On client sites, every calculator ends with a button into the matching funnel, so a borrower who just ran the numbers can start a real conversation. This one pairs with the dscr investor funnel.
See the matching funnelHow is DSCR calculated?
DSCR = monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance and association dues). For example, $2,900 rent against a $2,400 PITIA gives a DSCR of about 1.21.
What DSCR do lenders want?
It varies by lender and program. Many look for 1.0 or above, and better pricing often comes with higher ratios. Some programs allow below 1.0 with larger down payments.
Which rent figure do lenders use?
Usually the lower of the lease rent and a market rent estimate from the appraisal; short-term rentals may use rental history or market data.
Does DSCR include maintenance and vacancy?
The lender's DSCR usually doesn't, but your own investment analysis should. This calculator shows rent minus PITIA as a rough cash cushion only.
Do I need tax returns for a DSCR loan?
Many DSCR programs qualify on the property rather than personal income documentation, but credit, reserves and experience still matter.
Is a DSCR loan a consumer loan?
DSCR loans are generally made for business purposes on investment property, which affects which rules apply. Lenders and their compliance teams decide.
Can I compare two properties?
Run the calculator twice; on our clients' sites the DSCR funnel saves the scenario to the CRM so the loan officer can compare with you.
Where is this calculator used?
On the investor DSCR funnel's result page and on client sites that offer investor loans.
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