DSCR Calculator

Enter your property's rental income and estimated loan details to calculate your Debt Service Coverage Ratio and see if you're likely to qualify.

Property & Loan Details

Use market rent if the property is vacant, or actual rent if already leased.

Typically 75–80% of purchase price for DSCR loans.

Your Debt Service Coverage Ratio

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Monthly Rental Income —
Principal & Interest —
Taxes & Insurance —
HOA (if applicable) —
Total Monthly PITIA —

Evaluating a Short-Term Rental?

Run your Airbnb or VRBO numbers first — estimate nightly rate, occupancy, expenses, and net income, then see whether the property qualifies for DSCR financing.

Try the STR / Airbnb Calculator

Or ask us about your specific property.

Calculator FAQ

PITIA stands for Principal, Interest, Taxes, Insurance, and Association (HOA) dues. Lenders use total PITIA — not just the principal and interest payment — as the denominator in the DSCR formula.
Yes. Most DSCR lenders use an independent appraiser's market rent estimate (often from the 1007 rent schedule) when the property is vacant or when market rent exceeds current rent. This makes DSCR loans particularly useful for value-add acquisitions.
Some lenders offer "no ratio" DSCR loans for properties with a ratio below 1.0, typically requiring a larger down payment (30–35%) and compensating factors like strong credit. Reach out to explore your options with us.