DSCR Calculator

Calculate your Debt Service Coverage Ratio. See if your property income covers its debt — and qualifies for DSCR loans.

Learn: What is DSCR?

What is it?

Debt Service Coverage Ratio (DSCR) measures whether a property's income covers its debt payments. Lenders use this to determine if a property can pay for itself.

DSCR = Net Operating Income ÷ Total Debt Service

A DSCR of 1.0 means income exactly covers debt. Above 1.0 = cash flow positive.

Why Should You Care?

DSCR is how lenders qualify investment property loans. Many DSCR loan programs don't require income verification — the property qualifies itself.

DSCR loans let the property qualify, not you
No tax returns or income docs required
Great for self-employed investors

Lender Requirements

< 1.0Doesn't Qualify

1.0 - 1.24Marginal

1.25+Qualifies

1.5+Strong

Most lenders require minimum 1.25 DSCR. Higher ratios may get better rates.

Monthly Income & Expenses

Monthly Rental Income

Gross scheduled rent per month

Monthly Operating Expenses

Taxes, insurance, maintenance, vacancy, management

Monthly NOI

$0

Debt Service

Monthly Mortgage Payment (P&I)

Principal + Interest only (not taxes/insurance)

DSCR Result

Enter rental income and mortgage payment to calculate DSCR

Monitor DSCR across your entire portfolio

Track DSCR for every property automatically
Get alerts when DSCR drops below thresholds
Model refinance scenarios to improve DSCR