Use this free DSCR calculator to see whether your rental property cash-flows the way lenders measure it. DSCR (debt service coverage ratio) is the single number that drives most rental-loan approvals: it compares your gross monthly rent to your monthly PITIA (principal, interest, taxes, insurance, and HOA). Enter your numbers below for an instant estimate.
DSCR Calculator
See if your rental cash-flows the way lenders measure it. DSCR = monthly rent / monthly PITIA.
Estimates only, business-purpose investment property. Bancaverse arranges financing; it does not lend directly.
What Is a Good DSCR?
Most lenders look for a DSCR of 1.0 to 1.25 or higher. At 1.0 the rent exactly covers the payment; above 1.25 the property comfortably cash-flows and you will usually see better pricing and leverage. Below 1.0 the rent does not cover the debt, and you may need a larger down payment or a different loan structure.
How the DSCR Calculator Works
DSCR = gross monthly rent ÷ monthly PITIA. This tool estimates your principal and interest from the loan amount, rate, and term, then adds monthly taxes, insurance, and HOA to get PITIA. It also estimates the maximum loan you could support at your target DSCR — useful before you make an offer. For the full definitions, see our DSCR and rental loan options.
Ready to Get Matched?
If your deal pencils, Bancaverse can match it to the private and institutional lenders most likely to fund it — with no upfront fee. We arrange business-purpose financing across Texas, Florida, Georgia, Arizona, North Carolina, South Carolina, Utah, and Colorado.
Get matched with a DSCR lender →
Frequently Asked Questions
Q: What does the DSCR calculator measure?
A: It divides your gross monthly rent by your monthly PITIA to show whether the property covers its own debt — the ratio lenders use to approve rental loans.
Q: What DSCR do I need to qualify?
A: Commonly 1.0 to 1.25 or higher, depending on the lender and program. Higher DSCRs typically earn better rates and leverage.
Q: Does the calculator include taxes and insurance?
A: Yes — PITIA includes property taxes, insurance, and HOA, so the result reflects the full payment, not just principal and interest.
Q: Is this an official loan offer?
A: No. It is an estimate for business-purpose investment property. Actual terms vary by lender. Bancaverse arranges financing and does not lend directly.
