No guessing

Run the numbers.

Use the tools. Then talk to a human.

Every calculator here is an educational estimate. None of them approve you, qualify you or guarantee anything — that work happens with a real underwriter.

Six tools

Pick your target.

DSCR Calculator

Does the property hit the number?

Measure the property's qualifying rental income against its estimated monthly housing obligation.

Qualifying monthly rent

Monthly rentOther qualifying property income

Total monthly qualifying income: $2,600

Build the payment

Purchase price / property valueLoan amountInterest rate (%)Loan term (years)

Principal + interest: $1,910

Monthly property expenses

Monthly property taxesMonthly property insuranceMonthly flood insuranceMonthly HOA / associationOther monthly housing expense

Estimated PITIA / housing obligation: $2,595

Target DSCR (scenario planning)

Target ratio

Target ratios are for scenario planning only and do not guarantee qualification.

Estimate

Your estimated DSCR

1.00x

Program targets vary

Qualifying monthly income$2,600

Estimated monthly obligation (PITIA)$2,595

Monthly cash flow before other property expenses+$5

Income coverage: $2,600 rent ÷ $2,595 monthly obligation = 1.00x

At a 1.25x target, $2,600 qualifying monthly rent supports approximately $2,080 maximum monthly housing obligation.

Want to know which investor programs fit this scenario?

Educational estimate only. DSCR calculation methods and qualifying requirements vary by lender and loan program. Rental income eligibility, PITIA calculations, vacancy factors, appraisal rent schedules, reserves, credit requirements, property eligibility and other underwriting requirements may affect the actual qualifying DSCR. This calculator does not constitute approval, qualification, an offer or a commitment to lend.

Want the real numbers?

Check My DSCR Options