Free Tool

DSCR Calculator

Calculate your Debt Service Coverage Ratio instantly. See if your investment property qualifies for a DSCR loan.

Property & Loan

Income

Monthly Expenses

1.0x1.25x1.16xConditional
Conditional Approval
Gross Monthly Income$4,500
Less Vacancy (5%)-$225
Effective Gross Income$4,275
Property Taxes-$400
Insurance-$150
Management-$450
Maintenance-$225
Net Operating Income$3,050
Monthly Debt Service (P&I)$2,622.05
DSCR Ratio1.16x

Monthly Payment Breakdown

Principal & Interest$2,622.05
Property Taxes$400
Insurance$150
Total PITIA$3,172.05

Scenario Comparison

Compare two investment scenarios side-by-side. Adjust any value and see which deal delivers a stronger DSCR.

Scenario A

Better
1.0x1.25x1.25xApproved
Loan Amount$300,000
Monthly P&I$1,995.91
DSCR1.25x

Scenario B

1.0x1.25x1.24xConditional
Loan Amount$420,000
Monthly P&I$2,936.70
DSCR1.24x

Rate Sensitivity Analysis

See how your DSCR changes as interest rates move. The amber dashed line marks the 1.25x qualifying threshold.

0.80x0.90x1.00x1.10x1.20x1.30x1.40x1.50x6.50%6.75%7%7.25%7.50%7.75%8%8.25%8.50%8.75%9%9.25%9.50%1.25Current: 1.16x

Based on your current inputs. The amber dot marks your current rate of 7.5%.

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