Free Tool
Enter a rental's rent and financing details to instantly calculate its debt service coverage ratio (DSCR) and see whether it qualifies. Uses full PITIA — principal, interest, taxes, insurance, and HOA — just like a lender does.
Estimates only. Your actual DSCR, rate, and approval depend on the lender, credit, and property. Not a commitment to lend.
How to read your result: a DSCR of 1.25+ is strong (best pricing), 1.0–1.25 qualifies with most lenders, and under 1.0 may need a larger down payment, short-term-rental income, or a no-ratio DSCR program. Get a real quote →
DSCR (debt service coverage ratio) measures whether a rental's income covers its mortgage. The formula is simple:
DSCR = Monthly Rent ÷ PITIA
PITIA is the full monthly payment: Principal, Interest, Taxes, Insurance, and any Association (HOA) dues. Lenders qualify DSCR loans on this complete payment, which is why our calculator asks for taxes, insurance, and HOA — leaving them out inflates your ratio and your approval odds.
Ratio a little low? As a broker, Save Financial shops multiple DSCR lenders — some credit short-term-rental income or allow ratios below 1.0 — so a property that misses at one lender can still close at another. See the full DSCR loan program → or explore DSCR loans by state →.
DSCR equals the monthly rent divided by the property's full monthly payment — principal, interest, taxes, insurance, and HOA (PITIA). If a rental brings in $3,400 a month and the PITIA is $2,615, the DSCR is 1.30. Our free DSCR loan calculator above runs this instantly.
Most DSCR lenders want a ratio of 1.0 or higher, meaning the rent at least covers the payment. A DSCR of 1.25 or more is considered strong and earns better rates and lower reserves. Many lenders also fund ratios below 1.0 — even no-ratio DSCR loans — with a larger down payment.
You generally need a DSCR of at least 1.0 for standard pricing, though programs exist down to roughly 0.75 and no-ratio with more down. The calculator shows where your property lands; if it's under 1.0, a larger down payment or short-term-rental income can often push it over.
Yes. This DSCR calculator uses full PITIA — principal, interest, property taxes, homeowners insurance, and HOA dues — because lenders qualify on the complete payment, not just principal and interest. Leaving out taxes and insurance overstates your DSCR.
Often yes. Many DSCR lenders let you qualify on projected short-term-rental (Airbnb) income, which is usually higher than long-term rent and can lift a marginal property over 1.0. Enter your expected monthly short-term income as the rent to model it in the calculator.
The calculator is an estimate — send us the property and we'll shop multiple DSCR lenders for your actual rate and terms. Free, no obligation, backed by our $500 lower-rate guarantee.