Understand your property’s DSCR.

Explore how rental income compares with the property’s housing payment. Use your own assumptions, then discuss the result with The Mortgage Calculator.

ILLUSTRATIVE PLANNING RESULT

1.20×Debt service coverage ratio

The rental income entered is 1.20 times the monthly housing payment.

Rental income: $3,000.00
Housing payment (PITIA): $2,500.00
Rent less housing payment: $500.00

This difference is before maintenance, vacancy, management, utilities, platform fees and other expenses. It is not net profit.

Review my investment scenario

An illustration, not a loan offer. Default values are a worked example, not current rates, a quote, a required DSCR or an approval. This calculator uses rental income ÷ principal, interest, taxes, insurance and association dues. Programs may use different income adjustments or payment assumptions. No inputs are sent to a server.

Why this calculation matters

DSCR makes the relationship between rental income and the housing payment easier to see. Increasing eligible rental income raises the ratio; increasing the payment reduces it. The borrower, property, credit, reserves and loan-to-value requirements still need review.

Our example uses $3,000 in monthly rent and $2,500 in monthly housing costs: $3,000 ÷ $2,500 = 1.20x. These figures explain the calculation and do not indicate a qualifying threshold.

For broader tools and program details, visit The Mortgage Calculator’s DSCR calculator and DSCR program page.

YOUR QUESTIONS, ANSWERED

Clear answers. A confident next step.

Have a different question? Talk with The Mortgage Calculator.

What does 1.00x DSCR mean in this calculator?

It means the monthly rental-income input equals the housing-payment input. It does not account for every operating expense or mean the borrower or property is approved.

Is 1.00x the minimum required for a loan?

No universal minimum is stated here. Acceptable ratios, leverage and other conditions vary by lender program and borrower scenario.

Can I enter short-term rental projections?

You can explore an assumed monthly income amount, but a lender must determine acceptable evidence and any adjustments. Do not treat projections as established rental income or approval.

Understand your property’s DSCR.

Start with the property.

Why this calculation matters

Clear answers. A confident next step.