Calculators

DSCR Calculator

Divides a rental property's gross monthly rent by its monthly PITIA. Enter your own rent, expenses and loan terms — the calculator supplies no rate and no target of its own.

Property cash flow

Gross monthly rent

Monthly. The full contract or market rent, before any deduction.

Monthly property taxes

Monthly. Divide an annual tax bill by 12.

Monthly property insurance

Monthly. Divide an annual premium by 12.

Monthly HOA

Monthly. Leave blank or enter 0 if there is no HOA.

Debt service

Debt-service basis

Loan amount

The principal you want to model.

Annual interest rate

Annual. Enter the rate you want to model — this tool publishes no rate of its own.

Optional

Target DSCR

Optional. Enter a coverage ratio to see the debt service it implies.

Show a 25% rent-reduction scenario

Calculated result

Qualifying DSCR · gross monthly rent ÷ monthly PITIA

—

Fill in rent, taxes, insurance and the debt-service fields to calculate.

Monthly P&I—

Monthly PITIA—

↳ Taxes + insurance + HOA—

Educational estimate. Not a quote, an offer, a commitment, an eligibility decision or a substitute for lender underwriting. Nothing entered here is saved or sent anywhere — it stays in this browser tab and clears on refresh.

How this calculation works

The qualifying DSCR on this page is gross monthly rent divided by monthly PITIA. Gross means the full rent figure you enter — the calculation subtracts nothing from it before dividing, and adds no allowance of its own.

PITIA is the monthly housing cost of the property — principal and interest, property taxes, property insurance, and HOA dues. All four belong in the denominator. If the property has no HOA, leave that field blank or enter zero.

Monthly principal and interest depends on how the debt is structured, so the calculator offers four bases: a 30-year fully amortizing payment, a 15-year fully amortizing payment, an interest-only payment, and a direct entry for when you already know the monthly figure. Interest rate and target DSCR both start empty, because neither is something this page should decide for you.

The optional scenario recalculates the same PITIA against 75% of the rent you entered — a 25% reduction. It is a sensitivity check on your own assumptions, shown separately from the qualifying result. It is not a second DSCR and it is not how any lender underwrites a file.

Results are educational estimates produced from the values you type. They are not a quote, an offer, a commitment, an eligibility determination, or a substitute for lender underwriting. Underwriting methods differ between programs, and a lender's own worksheet governs its own file.