DSCR Calculator
This DSCR calculator models whether an investment property's gross rent covers its full housing payment (PITIA). Enter purchase price or value, down payment, rate, term, rent, taxes, and insurance — the tool computes monthly principal and interest, total PITIA, and the debt service coverage ratio. Results update in the URL so you can share the exact scenario without retyping.
How to use this tool
Choose purchase or refinance, then enter the monthly rent or short-term revenue you expect the property to generate. Add property taxes, insurance, and HOA dues so PITIA reflects the full payment lenders compare against rent.
Toggle interest-only if you are modeling an IO period. The results panel shows DSCR, monthly payment components, and a plain-language qualification label.
Formula
DSCR = Gross Rent ÷ PITIA. PITIA includes principal, interest, taxes, insurance, and association dues. Some lenders use net operating income instead of gross rent — confirm which version your file will use before you compare quotes.
When to read the full DSCR guide
If your ratio is marginal, read the DSCR loans guide for how long-term and short-term rental income are documented, when entity vesting applies, and how jumbo investor limits interact with DSCR math on high-balance purchases.