DSCR Calculator
Calculate your Debt Service Coverage Ratio with full PITIA analysis.
Property Income
Expenses
Excl. mortgage
Debt Service
PITIA Add-ons (monthly)
DSCR
1.20
Detailed Breakdown
DSCR Benchmarks
FAQ
What's the minimum DSCR to get approved?
Most DSCR lenders require a minimum of 1.0, meaning income exactly covers debt. However, 1.20–1.25 is needed for competitive pricing. Some specialty lenders offer 'no ratio' programs for borrowers with strong credit and high assets.
Should I use P&I or PITIA for DSCR?
Most DSCR lenders use PITIA (including taxes, insurance, HOA) to calculate debt service. This gives a more conservative and realistic view of your total obligations. Use PITIA for accuracy.
How can I improve my DSCR?
Raise rents (even 5–8% helps significantly), increase the down payment to reduce the loan amount, extend the loan term to reduce monthly payments, use interest-only payments if available, or reduce operating expenses.
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