Real Estate DSCR Calculator

Analyze your investment property cash flow

Investor Profile

Credit Score

Flips Completed (Last 3 Years)

Current Rentals

Property Details

Property Address

Purchase Price

Rental Type

Down Payment

Interest Rate

Monthly Income & Expenses

Estimated Monthly Rent

Monthly Property Taxes

Monthly Insurance

Monthly HOA / Maintenance

How DSCR Works for Single Family Homes

Formula:

DSCR = Gross Monthly Rent ÷ Monthly PITIA

PITIA = Principal + Interest + Taxes + Insurance + HOA

What It Means:

Shows how many times rental income covers your total monthly housing payment.

≥ 1.25:

Excellent - Most lenders prefer this ratio for investment properties.

1.0 - 1.25:

Acceptable - May qualify for some loans, but with limitations.

< 1.0:

Poor - Negative cash flow. Financing may not be available.

Note for 4 Units or Less:

This calculator uses gross monthly rent without deductions for vacancy, property management, or reserves as per standard DSCR lending guidelines for residential properties.

For informational purposes only. Calculations assume a 30-year fixed mortgage. Actual loan terms may vary. Consult with a lender and financial advisor for specific advice.