DSCR Calculator

Calculate Your Debt Service Coverage Ratio

Determine if your investment property qualifies for a DSCR loan

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What is DSCR?

Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its debt payments with rental income. It's calculated by dividing monthly rental income by monthly debt payments (PITI).

DSCR ≥ 1.25: Excellent - Property generates 25% more income than debt payments

DSCR 1.0 - 1.24: Good - Property covers debt payments with some buffer

DSCR 0.75 - 0.99: Fair - Property doesn't fully cover debt payments

DSCR < 0.75: Poor - Significant negative cash flow

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