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Free DSCR calculator
DSCR Calculator Does the rent cover the payment?
Enter your property's numbers to estimate its Debt Service Coverage Ratio, a key measure lenders may use when evaluating rental-property cash flow. Use your own payment or hypothetical loan assumptions. Homora does not supply rates or quote loan terms.
No contact information
No credit pull
Your assumptions
Not a loan quote
Run your numbers
Estimate the property's coverage.
Nothing is submitted. The calculation happens in your browser.
Use a known payment or model one from a loan amount, hypothetical rate, and term.
The estimate compares entered rent with entered obligations. It does not decide eligibility.
How the estimate works
Simple math. Important limits.
Enter gross monthly rent
Use the amount on a lease, a proposed rent, or another rental-income assumption you want to test.
Build estimated PITIA
Principal, interest, taxes, insurance, association dues, and any other entered monthly obligation are combined.
Divide rent by PITIA
The calculator divides gross monthly rent by estimated monthly PITIA and displays the resulting ratio.
Gross monthly rent
÷
Estimated monthly PITIA
=
Estimated DSCR
What the number cannot tell you
One ratio. Not the whole loan.
A DSCR estimate can help an investor understand the property's basic payment coverage. A real lending decision depends on substantially more information.
This calculator shows
The relationship between your entered rent and entered payment obligations.
- Estimated monthly PITIA
- Estimated coverage ratio
- Illustrative rent comparisons
A real loan review considers
The property, borrower, documentation, and lender program together.
- Qualifying rent and appraisal or lease support
- Property type, value, leverage, credit, and reserves
- Specific lender and program guidelines
DSCR calculator guide
What the ratio means, and what it leaves out.
This page uses a gross-rent-to-PITIA estimate because it is simple enough to model without collecting personal information. A lender may use different qualifying rent, expense treatment, or program-specific calculations.
Debt Service Coverage Ratio compares property income with a debt obligation.
In this calculator, gross monthly rental income is divided by estimated monthly PITIA: principal, interest, taxes, insurance, association dues, and any other recurring obligation you enter.
$3,000 in rent ÷ $2,400 in estimated PITIA = 1.25x.
The entered rent is 25% greater than the entered monthly obligation. That arithmetic does not establish approval, pricing, or the exact ratio a lender will use.
Below 1.00x, at 1.00x, and above 1.25x describe different cushions.
Below 1.00x means the entered rent is lower than the entered obligation. At 1.00x they are equal. A result above 1.25x shows a larger entered cushion, but no ratio guarantees eligibility.
The rent used in underwriting may not be the number typed here.
A lender may rely on a lease, appraisal rent schedule, market-rent analysis, or another permitted source. Vacancy adjustments and short-term-rental treatment may also differ by program.
The same relationship can be modeled for a proposed purchase or an existing rental.
For a purchase, use a hypothetical payment based on assumptions you choose. For a refinance, use a current payment or a scenario supplied by a licensed mortgage professional.
An interest-only payment can change the ratio, but the structure matters.
This first version does not calculate interest-only periods. Enter a known monthly interest-only payment in the payment field, then confirm the full structure, later amortization, and lender rules with a licensed professional.
Common mistakes
Good math still depends on good inputs.
- Using gross rent but leaving out taxes, insurance, or HOA dues.
- Treating a hypothetical interest rate as an available quote.
- Assuming the calculator's rent is the same rent a lender will accept.
- Reading a target ratio as a promise of approval or pricing.
Calculator methodology and assumptions
Formula: gross monthly rental income ÷ estimated monthly PITIA.
Estimated PITIA: monthly principal and interest + annual taxes ÷ 12 + annual insurance ÷ 12 + monthly HOA + other entered monthly obligation.
Payment estimate: when the user selects the assumption mode, principal and interest are calculated from the user-entered loan amount, hypothetical annual interest rate, and amortization term using the standard fixed-payment formula.
Limit: the calculator does not reproduce a lender's underwriting model and does not determine qualifying rent, credit, reserves, leverage, property eligibility, rates, terms, or approval.
Before you rely on the result
Questions investors usually have.
Does Homora provide the interest rate?
No. The rate field begins blank. Enter a hypothetical rate or one supplied to you by a licensed mortgage professional. Homora does not provide or guarantee rates.
Is this a loan quote or approval?
No. This is an educational estimate based only on your entries. It is not a loan application, quote, approval, preapproval, or commitment to lend.
What is PITIA?
PITIA generally refers to principal, interest, taxes, insurance, and association dues. The calculator also lets you include another recurring monthly property obligation.
Why might a lender get a different result?
A lender may use different qualifying rent, documentation, appraisal data, expense treatment, payment assumptions, or program rules. This tool does not reproduce any one lender's underwriting system.
What numbers should I enter?
Use numbers you know, estimates you have received, or hypothetical assumptions you want to test. The usefulness of the result depends on the accuracy of those entries.
Does Homora receive my calculator inputs?
No. The calculator runs in your browser and does not submit the financial numbers you enter.
Does a certain ratio mean I qualify?
No. Lender requirements vary, and DSCR is only one part of a complete property and borrower review.
How can I discuss a real property scenario?
Use the DSCR request page to send one request for a direct conversation with a licensed mortgage professional. Homora is a connection service, not a lender.
This calculator is provided for educational and illustrative purposes only. It uses property information and hypothetical loan assumptions entered by the user. Results are estimates and are not a loan quote, application, preapproval, approval, commitment to lend, or determination of eligibility.
Actual qualifying rent, property expenses, loan payments, rates, terms, and DSCR calculations may vary by lender, documentation, appraisal, lease, property type, and program guidelines. Homora is an independent connection service and is not a lender.