DSCR Calculator

Instantly calculate debt service coverage ratio and see how your deal stacks up against Non-QM qualification tiers.

Calculate Your DSCR

Enter the property's gross rent and total monthly housing expense.

Property Income

Monthly Gross Rent

$

Use actual lease amount or market rent — whichever is applicable per your lender.

Monthly Housing Expense (PITIA)

Total PITIA

$

Principal + Interest + Taxes + Insurance + Association dues.

Debt Service Coverage Ratio

—

Monthly Rent—

Monthly PITIA—

Breakeven Rent—

Monthly Cash Flow—

Rent Needed for 1.25x DSCR—

Reverse: What Rent Do I Need?

Know the PITIA — find the rent required to hit a target DSCR.

Monthly PITIA

$

Target DSCR

x

Minimum Rent Required—

At 1.0x DSCR (breakeven)—

At 1.25x DSCR (best pricing)—

📐 The Formula

DSCR equals

Gross Rent ÷ PITIA

Principal · Interest · Taxes · Insurance · Association

🎯 DSCR Qualification Tiers

Excellent ≥ 1.25x

Max LTV: 85% purchase · 80% refi — best pricing

Qualifies 1.0x – 1.24x

Max LTV: 85% purchase · 80% refi — standard pricing

Needs Review 0.75x – 0.99x

Max LTV: 75% purchase · 70% refi — rate adj. applies

Pricing Hit < 0.75x

Max LTV: 75% purchase · 70% refi — submit the scenario

💡 Quick Tips

Short-term rental income may be eligible — ask about STR DSCR overlays.

Multi-unit properties use combined gross rent from all units.

Some lenders allow 75% of market rent when no lease is in place.

DSCR loans require no personal income verification — great for self-employed investors.

LTV by tier: 1.0x+ = 85% purchase / 80% refi. Below 1.0x = 75% purchase / 70% refi.

Have a deal to run?

Submit your scenario and I'll come back with real pricing and program options — usually same day.

Submit a Scenario