Calculators
Free DSCR Investment Property Calculator
Estimate your rental property's debt service coverage ratio, monthly mortgage payment, and loan-to-value ratio. Adjust your financing assumptions and see the results instantly.
Understanding Your DSCR
The Debt Service Coverage Ratio compares a property's qualifying rental income with the payment used in the lender's calculation. The following examples explain the mathematics, not specific lender qualification thresholds.
DSCR Below 1.00
Qualifying rental income is less than the calculated monthly property payment. Some specialized programs may still consider these scenarios.
DSCR of 1.00
Qualifying rent is equal to the qualifying monthly payment. This does not mean the investment breaks even after all operating expenses.
DSCR Above 1.00
Qualifying rental income exceeds the calculated monthly property payment. A higher ratio indicates greater payment coverage.
Want to Discuss Your Investment Property?
I'm Corey Moser, a Utah mortgage broker with nearly 30 years of experience. I can help you explore DSCR loan programs, review the financing assumptions, and compare potential investment property options.
Calculator Disclosure: Results are estimates for educational purposes only. Entered interest rates are hypothetical assumptions, not advertised or quoted rates. This tool uses the entered rental income divided by estimated monthly principal and interest (or interest-only payment when selected), property taxes, insurance, and association dues. Lenders may use different qualifying rental income, payment calculations, interest-only rules, and minimum DSCR requirements. This tool is primarily intended for illustrative one-to-four-unit residential investment scenarios. A DSCR calculation is not a complete cash-flow analysis; it does not deduct maintenance, vacancies, management, capital expenditures, or other operating costs. No calculated result constitutes loan eligibility, pre-approval, rate guarantee, or a commitment to lend. Corey Moser | NMLS #274942. Nationwide Loans, Inc. | NMLS #1799965. Equal Housing Opportunity.
