Investor tools
DSCR loan calculator
Divide the rent by the payment and you have your answer. A DSCR of 1.0 means the property covers itself — most programs approve from there, no tax returns required.
$3,200
$400,000
7.500%
$550
Loan term
Debt-service coverage ratio
0.96
Rent ÷ total payment (PITIA)
- Principal & interest
- $2,797
- Total payment (PITIA)
- $3,347
- Monthly rent
- $3,200
Below 1.0 — workable with adjustments
Some programs allow sub-1.0 DSCR with a larger down payment or more reserves. A bigger down payment (smaller loan) raises the ratio.
Estimates are for illustration only. Program minimums, pricing, and rent calculations (leases, market rent, or short-term rental data) vary by lender and property.
Run a real deal
Have a property in mind?
Send Pat the address and rent — he’ll run the actual program numbers with you before you write the offer.