Interactive Tool
DSCR Quick Qualifier
See whether a rental carries its own debt in seconds. Enter the rent and the payment, add operating expenses if you have them, and the ratio updates live. The math runs in your browser — your numbers aren’t sent anywhere unless you choose to email yourself a copy.
Estimated DSCR
- Net operating income / mo
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- Debt service / mo
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Add operating expenses for a net-operating-income basis, or leave them blank to estimate on gross rent.
Estimate only — a principal confirms exact terms.
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How to read it
What the ratio means.
DSCR is the property’s net operating income divided by its monthly debt service. Here is how the ranges generally read — exact thresholds vary by program, leverage, and property type.
≥ 1.25× — Strong coverage
Comfortably above where most DSCR programs look. Rent covers the debt service with room to spare.
1.0 – 1.25× — Tight but workable
A range many programs will still consider — leverage, reserves, and property type carry more weight here.
< 1.0× — Shortfall
The income does not fully cover debt service as entered. More rent, less leverage, or a different structure may be needed.
These bands are a general guide, not underwriting. A principal reviews the full picture — credit, reserves, property, and state — and confirms exact terms on your file.
FAQ
DSCR, answered.
What is DSCR?
Debt-Service Coverage Ratio measures whether a property’s income covers its debt payment. It divides the property’s net operating income (rent minus operating expenses) by its monthly debt service (principal and interest). A ratio of 1.0× means income exactly covers the payment; above 1.0× means there is a cushion.
What DSCR do lenders look for?
It varies by program, leverage, and property type — many DSCR lenders look for something in the neighborhood of a 1.0–1.25× ratio, and lower ratios can sometimes still be structured. This tool is an estimate only; a principal confirms exact terms for your file.
Should I include operating expenses?
If you know your monthly operating expenses (taxes, insurance, management, maintenance, HOA), enter them for a net-operating-income basis — the more conservative and realistic figure. Leave the field blank to estimate on gross rent alone; the tool labels which basis it used.
Is this a loan approval?
No. This is a quick self-service estimate to help you understand your numbers before you apply. The calculation runs entirely in your browser and is not an offer of credit — we don’t store your inputs. (If you use “Email me this analysis,” we send that one copy to the email address you enter, via our email provider.) A principal reviews every file personally and confirms exact terms.
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