Calculator

DSCR Calculator

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Calculate the Debt Service Coverage Ratio for an investor / rental-property loan. DSCR ≥ 1.0 qualifies for most standard DSCR programs.

Inputs

Monthly rent

Vacancy rate

Loan amount

Interest rate

Term (years)

Annual property tax

Annual insurance

HOA (monthly)

DSCR result

0.83

Debt Service Coverage Ratio

Below 1.0 — consider no-ratio DSCR

Effective rent (annual)$51,300

PITIA (monthly)$5,147

Most DSCR programs floor at 1.0. No-ratio DSCR programs accept sub-1.0 (typically down to 0.75) at higher rate and lower LTV.

Your numbers, but real

The calculator uses an assumed rate. Your scenario has a real one.

A 15-minute call gets you 2–3 live quotes from a panel of wholesale lenders — matched to your credit, property, and timeline. No hard pull, no obligation.

Call (213) 880-8107 Get a real quote

Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify. This is not a commitment to lend; all loans are subject to credit approval, income and asset verification, and property appraisal.