Free DSCR loan calculator for rental properties.
Estimate monthly coverage using gross rent divided by principal, interest, taxes, insurance, and HOA dues. Then send the actual scenario for program-specific review.
Rent ÷ PITIA
Model the property in seconds.
Change the rent or carrying-cost inputs to see how the estimated ratio responds.
Model the property before the quote.
Use a known payment or model one. Blank means unknown; zero means a confirmed zero.
Enter your existing or estimated monthly payment below.
Educational estimates only. Not an approval, rate quote or commitment. Vacancy, repairs, management and capital expenses are not included in rent less PITIA. Qualifying methods vary by program.
More scenario metrics
How to calculate DSCR
For many residential rental-property programs, the simplified formula is qualifying gross monthly rent divided by qualifying monthly PITIA. PITIA means principal, interest, property taxes, homeowners or landlord insurance, and association dues. Program-specific calculations can also address flood insurance, ground rent, subordinate financing, or other required housing expenses.
Example: $4,500 rent divided by $3,530 estimated PITIA equals approximately 1.27x DSCR.
What does the ratio mean?
- 1.25x: rent is 125% of the modeled carrying cost.
- 1.00x: rent equals the modeled carrying cost.
- Below 1.00x: the property has a modeled coverage gap, but alternative leverage or program structures may still be reviewed.
A calculator result is not an approval. The lender must verify the acceptable rent, qualifying payment, taxes, insurance, HOA, property eligibility, credit, assets, appraisal, and complete file.
Ways investors model a stronger ratio
A larger down payment or lower requested loan can reduce principal and interest. A verified higher market rent can increase the numerator. A different loan structure may change the modeled payment. Each change also affects cash to close, rate, fees, risk, and the overall investment plan, so the ratio should not be optimized in isolation.
Your next move
Your ratio is only the beginning.
Send the actual property and financing request for a human-reviewed DSCR structure.