DSCR Calculator
Calculate Your Debt Service Coverage Ratio
Determine if your investment property qualifies for a DSCR loan
Expected monthly rent for this property
Principal, Interest, Taxes, and Insurance
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
Pacific Rate - NMLS #329956
Licensed Mortgage Lender • DSCR Loans up to $10M+ • No Income Documentation Required