DSCR Loan Calculator | Estimate Your DSCR Instantly
Cambridge Home Loan — Trusted Since 1998
● NMLS #1826020● Free investor tools● (800) 826-5077
DSCR calculator · free tool

DSCR loan calculator.

Enter the rent and the numbers and get your Debt Service Coverage Ratio, full payment, and monthly cash flow instantly — so you know in seconds whether a rental qualifies.

Instant DSCRFull PITIA paymentCash-flow estimateNo sign-up
Get a real DSCR quote →Call (800) 826-5077
Instant
DSCR result
PITIA
included
Cash flow
estimated
Free
no sign-up

Get a real DSCR quote

Like your numbers? Get an actual rate and DSCR approval — no hard credit pull.

DSCR LOAN APPLICATION  QUICK APPLY 

Or call (800) 826-5077 · Equal Housing Lender

Calculator

Calculate your DSCR

Adjust any field — the ratio, payment, and cash flow update instantly. A DSCR of 1.0 means the rent covers the payment; 1.25+ is strong.

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1.25
Strong — best rates & leverage
Loan amount$240,000
Monthly P&I$1,678
Taxes + insurance + HOA$533
Total payment (PITIA)$2,211
Monthly cash flow+$189
Numbers work? Turn the estimate into an approval.Real rate & DSCR quote, no hard credit pull.
Call (800) 826-5077
How to use it

Reading your result

DSCR ≥ 1.25 — strong. The property earns well above its payment; expect the best rates and highest leverage.

DSCR 1.0–1.24 — qualifies on most programs. The rent covers the payment with a margin.

DSCR 0.75–0.99 — possible, but you’ll likely need a bigger down payment, more reserves, or a stronger credit score.

DSCR < 0.75 — below most minimums. Increase the down payment (lower the loan), find higher rent, or consider an interest-only structure to lower the payment.

Formula
Rent ÷ PITIA
Target
1.0+ (1.25 ideal)
Floor (some)
0.75 w/ reserves
Lever 1
Larger down payment
Lever 2
Interest-only payment
FAQ

DSCR calculator FAQ

What is a good DSCR for a loan?+
1.0 means the rent exactly covers the payment and qualifies on most programs; 1.25 or higher is considered strong and earns the best rates and leverage. Many lenders go as low as 0.75 with stronger credit, more reserves, or a larger down payment.
How do you calculate DSCR?+
Divide the property’s gross monthly rent by its total monthly payment (PITIA: principal, interest, taxes, insurance, and HOA). For example, $2,400 rent ÷ $1,920 PITIA = 1.25 DSCR. The calculator above does this instantly.
Does the DSCR calculation include taxes and insurance?+
Yes. PITIA includes property taxes, insurance (including wind/flood where applicable), and HOA dues — not just principal and interest. Leaving these out is the most common reason a deal looks better than it underwrites.
What rent do I need to qualify?+
Enough that rent ÷ PITIA reaches your lender’s minimum DSCR (often 1.0, sometimes 0.75). Use the calculator to back into it: adjust rent or down payment until the DSCR hits your target.
Is this calculator an offer or approval?+
No — it’s an estimate to help you screen deals. Actual rate, LTV, reserves, and DSCR minimums depend on the property, your credit, and the lender. Get a real quote for exact numbers.
Explore

Keep going

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Take the estimate to a DSCR specialist for a real rate and approval. No tax returns, no DTI, no call center.

Get a real DSCR quote →Call (800) 826-5077

Cambridge Home Loan — this calculator is an estimate for screening investment-property deals, not an offer, approval, or commitment to lend. Actual DSCR, rate, LTV, and reserve requirements depend on the property, credit, and lender. Cambridge Home Loan, NMLS #1826020. Terms, rates, points, and eligibility are illustrative and current as of June 2026, subject to credit approval, property eligibility, and underwriting, and are not a commitment to lend. This is not financial, tax, or legal advice. Equal Housing Lender.

Call (800) 826-5077