Screen a rental property's debt service coverage ratio in seconds. Enter the projected rent and PITI + HOA costs to see its DSCR, monthly cushion, and the rent needed for your lender's target.
What this tool screens
A fast, lender-oriented first pass for a potential rental exit.
DSCR
Rent ÷ PITI + HOA
Monthly cushion
Rent after payment basis
Target rent
For your threshold
Private
No signup or upload
Jump to
Enter the monthly rent and payment figures from your deal or loan quote. You can set the threshold to the one your lender gave you.
Enter the income and recurring property payments from your prospective loan quote. Results update as you type and stay in this browser.
Use a conservative, supportable monthly rent estimate.
Principal and interest only.
Enter the requirement quoted by your lender, such as 1.20.
This is an estimate, not a loan approval. Lenders may use a lease or appraisal rent, apply a vacancy factor, include other expenses, and set their own minimum DSCR and reserve requirements.
DSCR screen
Rent divided by monthly PITI and HOA.
Debt service coverage ratio
1.26x
Compared with your 1.20x target.
P&I, taxes, insurance, and HOA dues.
Rent minus the PITI and HOA payment basis.
$120 above the target rent.
Free and private: all calculations run locally in your browser. No signup or property data is required.
DSCR is a quick way to test how much room a rental property has to cover the payment a lender is evaluating. It does not replace an appraisal, lease review, lender quote, full operating budget, or property-level due diligence.
Include principal and interest, taxes, insurance, and HOA dues. The tool converts annual taxes and insurance to monthly values.
Monthly market rent divided by the payment basis is the DSCR. A larger number means more income coverage before lender-specific adjustments.
Confirm the lender's actual threshold and rent method, then stress-test the full operating budget with vacancy, maintenance, and management costs.
Formula used
DSCR = monthly market rent ÷ (monthly principal and interest + monthly property taxes + monthly insurance + monthly HOA dues).
Debt service coverage ratio (DSCR) compares a property's monthly rental income with its monthly debt-service payment. In this tool, it is monthly market rent divided by principal, interest, property taxes, insurance, and HOA dues. A ratio above 1.00 means the rent exceeds those listed payments; the lender sets the ratio it requires.
No. This calculator is an early screen, not a loan approval. Lenders can use a lease or appraisal rent, apply their own vacancy factor, require cash reserves, set credit and entity rules, and evaluate the property type, condition, location, and loan terms.
Enter the monthly principal-and-interest payment, annual property taxes, annual insurance, and monthly HOA dues. That produces a monthly PITI-and-HOA estimate. If a lender includes another recurring item in its qualification model, add it to the appropriate payment or confirm the treatment with that lender.
It provides a quick check on whether a rental exit may support the projected payment before you spend time on detailed underwriting. It should be paired with verified rent, a full expense estimate, inspection findings, and lender-specific terms before making a binding bid or offer.
