Updated: October 10, 2026. DSCR Calculator provides educational information and mathematical estimates for rental-property scenarios.
Informational estimates
Results are not financial, tax or legal advice, a loan offer, a preapproval or a decision about eligibility. A displayed coverage band describes the modeled ratio; it does not mean a lender has approved you or the property. Obtain advice appropriate to your circumstances before making a financing decision.
Calculation assumptions
The calculator uses net operating income divided by modeled debt service. It assumes the entered interest rate and selected payment schedule remain constant. Expense presets are editable illustrations. Results depend on the accuracy and completeness of your inputs, and displayed values are rounded.
What is not modeled
The tool does not determine lender-specific underwriting, available cash-out equity, loan-to-value limits, closing costs, reserves, balloon payments, changing rates, future rental income or tax consequences. An interest-only scenario excludes principal amortization and does not describe every obligation under a real loan.
Different DSCR methods
Some residential loan programs use monthly rent divided by principal, interest, taxes, insurance and association dues (PITIA). That method differs from this calculator’s NOI method. Confirm the lender’s definition before comparing its requirements with your result.
Independent verification
Verify important figures with your lender and relevant professionals. No calculation guarantees future income, property performance or financing availability. Report suspected errors through our Contact page.