Tool
DSCR Calculator
Estimate your debt service coverage ratio, monthly payment, and cash flow on any 1–4 unit property. Adjust the inputs to model rate buy-downs and down-payment scenarios.
Your DSCR
1.10Qualifying
DSCR = Monthly Rent ÷ Monthly PITI. Most lenders require 1.00+; best pricing at 1.25+.
Loan Amount$600,000
Principal & Interest$4,195 /mo
Total PITI + HOA$5,012 /mo
Estimated Cash Flow$488 /mo
DSCR ≥ 1.25
Strong tier — typically the best available pricing and highest LTVs.
DSCR 1.00 – 1.24
Qualifying — slightly higher rate, still standard 30-year terms.
DSCR < 1.00
No-ratio program available with reduced LTV. Talk to us about structure.