DSCR calculator
Debt service coverage ratio is monthly rent divided by the monthly payment including taxes, insurance and HOA (PITIA). Lenders use it instead of your personal income. Change any input and the ratio updates.
How lenders read the number
1.00 means rent exactly covers the payment. Most programs price best at 1.20 or 1.25. Many allow 1.00 at full leverage, some allow down to 0.75 with more equity, and a few offer no-ratio loans that skip the test entirely. Short-term rentals often need a higher floor.
What this calculator does not do
It does not quote a rate; put in the rate you have been offered. It does not include vacancy or management, which lenders also ignore for DSCR. It does not store anything: the match link carries the values in the URL.
Data last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.