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DSCR Calculator

Calculate your Debt Service Coverage Ratio to determine loan qualification for investment properties

  • Income
  • Property Details
  • Loan Details
  • Monthly Expenses

Debt Service Coverage Ratio

Your property's cash flow coverage

0.000

  • Poor

Monthly Breakdown

Monthly Breakdown

$0

LTV Ratio:

0.00%

P&I Payment:

$0

Insurance:

$0

Taxes:

$0

HOA:

$0

Total Payment:

$0

DSCR Guidelines

  • 1.25+ Excellent: Strong cash flow, best rates
  • 1.0-1.24 Good: Acceptable, standard rates
  • Below 1.0: Insufficient cash flow
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DSCR Calculator

💰 Income

🏠 Property Details

🏦 Loan Details

📉 Monthly Expenses

📊 Debt Service Coverage Ratio

Your property’s cash flow coverage

0.000

Poor

Monthly Breakdown

Loan Amount:$0
LTV Ratio:0%
P&I Payment:$0
Insurance:$0
Taxes:$0
HOA:$0
Total Payment:$0
Monthly Income:$0

DSCR Guidelines

  • ✔️ 1.25+ Excellent: Strong cash flow, best rates
  • ⚪ 1.00–1.24: Acceptable, standard rates
  • ❌ Below 1.00: Insufficient cash flow

What is DSCR?

The Debt Service Coverage Ratio (DSCR) measures your property's ability to cover its debt obligations. It's calculated by dividing the property's gross rental income by its total monthly debt service (loan payment + taxes + insurance + HOA).

Why DSCR Matters

Lenders use DSCR to assess investment property loans without considering your personal income. A higher DSCR indicates stronger cash flow and typically qualifies for better interest rates and loan terms.