DSCR Calculator (Rental Loans)
Will your rental qualify for a DSCR loan? Check in seconds.
📊 Want this as a spreadsheet you own? Get the Rental Deal Analyzer workbook — $9 →
DSCR formula
DSCR = gross rent ÷ PITIA. Lenders use gross rent — no vacancy or maintenance deductions. For the full cash-flow picture including those costs, use the rental property calculator or the cash-on-cash calculator.
Frequently asked questions
What is a good DSCR?
Most DSCR lenders want 1.0–1.25 minimum. Above 1.25 typically unlocks the best rates; below 1.0 the rent doesn't cover the mortgage and few lenders will fund it.
How do lenders calculate DSCR?
Gross monthly rent (from the lease or appraiser's rent schedule) divided by PITIA — principal, interest, taxes, insurance and association dues. Operating expenses like maintenance are NOT deducted.
Can I get a DSCR loan below 1.0?
Some lenders offer 'no-ratio' or sub-1.0 programs at higher rates and lower LTV, usually requiring stronger reserves.