Rent ÷ PITIA
Monthly qualifying rent divided by total monthly housing expense (Principal, Interest, Taxes, Insurance, HOA/Association). That's the ratio. Above 1.0 means the property covers itself.
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Investor Tool
DSCR Calculator. Short & long-term rents.
Calculate your debt service coverage ratio in real-time – the way investor lenders actually underwrite it. Supports both short-term and long-term rental income models we use for underwriting decisions.
DSCR – Short-Term & Long-Term Rents
Live$
$
%
%
%
% / yr
$
$
Your DSCR
1.31
Strong – Likely Approved
Monthly Qualifying Rent
$5,600
Loan Amount
$525,000
Monthly P&I
$3,493
Monthly Tax
$642
Interest-Only DSCR
1.45
Monthly PITIA
$4,285
Monthly ITIA
$3,854
Calculations are estimates for educational purposes. Final terms subject to credit, property, and program approval. Short-term and long-term rents based on projections from top industry sources we use for underwriting decisions with default 20% expense factor. Speak with our team for a full loan estimate.
How DSCR works
The investor’s qualification math, in plain English.
DSCR (Debt Service Coverage Ratio) loans qualify you based on whether the property pays its own way – not on your tax returns, W-2s, or DTI. Here’s how the number gets built.
Strong territory
Best pricing, highest LTV options, fewest reserve requirements. The property is generating real cash flow over the debt service – most lenders treat this as the gold zone.
Qualifying range
The property breaks even or slightly above. Most DSCR lenders will fund here with standard pricing. Some require slightly higher reserves or accept a small pricing bump.
Ask about no-ratio
Property doesn't cover itself on paper. We have programs that fund "no-ratio" deals on the right files – typically with lower LTV (60-65%) and reserves. Call us before you walk.
Projected gross revenue
For STR investments, we use projected annual revenue from top industry sources we trust for underwriting decisions, with a default 20% expense factor (vacancy, cleaning, management). Some programs allow lower factors with operating history.
1007 / Market rent
For LTR investments, the appraiser fills out a 1007 form with market rent for the unit type. We use that monthly figure directly – no expense factor applied.
Why our calc is different
Built the way underwriting actually works.
Most online DSCR calculators round corners. Ours mirrors how our underwriters score files in-house.
- Both rent models in one tool – toggle between short-term and long-term rental income in real time
- Interest-only DSCR shown separately – many of our DSCR programs offer IO options, which often push a sub-1.0 deal into qualifying range
- Property tax flexibility – toggle between county tax rate (% / yr) and a flat monthly amount, depending on what you know
- PITIA fully itemized – see exactly how taxes, HOA, and insurance impact the ratio so you can model improvements
- 30-year amortization– standard P&I calculation, then we also show the IO variant alongside
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