Tool
DSCR Calculator
Debt Service Coverage Ratio measures the property's ability to cover its debt payments with rental income.
$
Gross rental income
$
P + I + Tax + Ins + HOA
DSCR
—
Enter values above
Guideline Reference
1.25+
Excellent — Best rates and terms, lowest reserve requirements
1.00–1.24
Standard — Meets most guidelines, standard pricing
0.75–0.99
Below breakeven — Select programs only, higher reserves
< 0.75
Below threshold — Does not meet minimum requirements