Free tool

DSCR calculator

Enter your rent and property value to instantly calculate your debt service coverage ratio (DSCR), estimated payment, and indicative max loan. DSCR qualifies you on the property's cash flow — no tax returns.

Property value / purchase price

Monthly rent

Estimated rate (%)

Assumes 80% LTV, 30-year amortization, and ~1.5%/yr taxes & insurance.

Your DSCR

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Enter your numbers

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Indicative only. Not a commitment to lend.

DSCR calculator FAQ

How do you calculate DSCR?

DSCR = monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means rent exactly covers the payment.

What is a good DSCR for a loan?

A DSCR of 1.0+ is positive cash flow; 1.20+ is strong. Mortava funds ratios as low as 0.50, with interest-only options to improve coverage.

Is this DSCR calculator accurate?

It gives an instant estimate using a 30-year payment and typical tax/insurance. Your live term sheet from Mortava confirms exact rate, leverage, and DSCR — soft inquiry only.

DSCR loans explained → See DSCR programs →