Nitro ToolzDSCR Calculator
Debt service coverage ratio for investment property loans.Pro
DSCR Calculator
Generated 10/9/2026
- Monthly rent: 3200
- Loan amount: 360000
- Interest rate: 7.5
- Loan term: 30
- Payment type: Fully amortizing
- Property tax (per year): 4200
- Insurance (per year): 1500
- HOA dues (per month): 0
How to use this tool
- Enter expected monthly rent and your loan terms.
- Add taxes, insurance and HOA so the ratio uses full PITIA.
- Aim for 1.25x or higher, or check the rent needed to reach it.
Formulas
PITIA = loan payment + tax/12 + insurance/12 + HOA.
DSCR = monthly rent / PITIA.
Frequently asked questions
What is a good DSCR?
Many lenders want 1.0x to 1.25x at minimum. Higher ratios earn better pricing and terms.
How is DSCR different from DTI?
DSCR uses the property income to qualify the loan. DTI uses your personal income and debts.
Does interest-only change the ratio?
Yes. Interest-only lowers the payment and raises DSCR, but the balance does not fall.
Which rent do lenders use?
Usually the lower of the lease rent or the appraiser market rent.