DSCR Calculator

Calculate Debt Service Coverage Ratio to determine if your investment property qualifies for DSCR loans. Most lenders require a DSCR of 1.0 to 1.25 or higher.

Income

Monthly Rent ($)

Vacancy Rate (%)

Monthly Debt Service

Mortgage Payment ($)

Property Taxes ($)

Insurance ($)

DSCR

1.23

Marginal - Some may approve

Effective Monthly Rent$1900

Total Debt Service$1550

Deal Summary

Marginal - May Qualify

DSCR: 1.23 · $1900 income vs $1550 debt

With monthly rent of $2,000 and 5% vacancy, your effective monthly income is $1900. Total debt service including mortgage ($1200), taxes ($250), and insurance ($100) is $1550/month. Your DSCR of 1.23 means this property may qualify with some lenders, though options will be limited. You have a $350 monthly buffer after debt service.

Scenarios

Test different rent levels or loan terms to find the optimal DSCR for your deal.

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What is DSCR?

Debt Service Coverage Ratio measures a property's ability to cover its debt obligations from rental income. DSCR loans are popular with investors because they qualify based on property income rather than personal income.