DSCR calculator
Enter the monthly rent and the full monthly payment (PITIA). The ratio tells you how DSCR loan programs typically read the property's cash flow — no tax returns, no W-2s, just the property.
Educational tool — not a loan offer, quote, or approval. DSCR = monthly rent ÷ PITIA. Program guidelines vary by lender; all programs subject to underwriting approval. NMLS #2493744 · Vega Financing, LLC · CA DFPI CFL #60DBO-185116 · Equal Housing Opportunity.
DSCR questions, answered
How is DSCR calculated?
DSCR (debt-service coverage ratio) is the property's monthly rent divided by its full monthly housing payment — principal, interest, taxes, insurance, and any HOA dues (PITIA). A DSCR of 1.0 means the rent exactly covers the payment.
What DSCR do lenders look for?
Many DSCR programs look for a ratio of 1.0 or higher, and stronger pricing often starts around 1.25. Some programs accept ratios below 1.0 with compensating factors. Programs are subject to underwriting approval — the calculator is educational, not a loan decision.
Does a DSCR loan use my personal income?
No — DSCR loans qualify the property on its own rental cash flow instead of your personal tax returns or W-2s, which is why real estate investors and self-employed borrowers use them.