DSCR calculator
Check whether the rent covers the mortgage — and whether a lender will approve a DSCR loan on the property.
$
Gross monthly rent the property collects.
$
Principal + interest + taxes + insurance + HOA/association fees.
1.25
Above 1.25 — clears the standard lender threshold.
Floor
1.00
Covers debt
Lender bar
1.25
Most lenders approve
What is DSCR?
DSCR (Debt Service Coverage Ratio) is monthly rent divided by monthly PITIA — principal, interest, taxes, insurance, and any HOA/association fees. Most DSCR loan programs require ≥ 1.25 to approve, so this number isn't just a metric — it's the literal underwriting threshold lenders use to size your loan on an investment property.
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