DSCR calculator
Free DSCR calculator: rent divided by principal, interest, taxes, insurance and HOA, as DSCR lenders calculate it, plus the real cash flow and the largest loan at your lender's minimum. Example: with typical numbers the dscr comes to 1.07. Free, no sign-up, every step shown.
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Read the guide: DSCR loans in 2026: how lenders calculate DSCR and what ratio you need →Rent covers the payment but is below 1.25: expect a higher rate or a smaller loan (about $195,697).
In LeadCounty every property file opens this calculator with the county's value, tax owed and sales already filled in.
Get the real numbers for every property, already filled in.
In LeadCounty every property page carries its county record: value, yearly tax and any amount owed, every sale with its price, building facts, the owner and mailing address, and nearby sales (as each county publishes them). The deal calculator on each property uses them. Find the sellers with 37 seller lists, then run the deal in one place. The same calculators also run inside the app.
- 7-day free trial (the Explore trial needs no card)
- Refreshed every week from official records
- No contract, cancel any time
How to use the DSCR calculator
- DSCR lenders qualify the property, not your income: rent ÷ PITIA (principal, interest, taxes, insurance, HOA).
- 1.25 or more usually gets the best rate and leverage; 1.00–1.19 may still work with a higher rate; below 1.00 most programs decline.
- DSCR is not cash flow: it ignores vacancy, repairs and management. The real cash flow line includes them.
The formula
DSCR = monthly rent ÷ monthly payment (principal, interest, tax, insurance, HOA). Lenders often ask for 1.0 to 1.25 or more.
Worked example
With monthly rent of $2,200, property tax of $3,600, insurance of $1,500, HOA of $0 and loan amount of $240,000, the dscr is 1.07. Rent covers the payment but is below 1.25: expect a higher rate or a smaller loan (about $195,697).
Common mistakes
- Using rent without tax, insurance and HOA in the payment.
- Assuming one lender's ratio is every lender's ratio.
- Forgetting that a low-DSCR loan usually costs more in interest.
Estimates for planning only, not financial advice.
Questions
What DSCR do I need?
Most lenders want 1.20–1.25 for standard pricing. Some go down to 1.00 or lower with a higher rate.
Does interest-only help DSCR?
Yes, the payment is lower so the ratio is higher, but you pay no principal during that period.
What DSCR do lenders want?
Many DSCR lenders ask for 1.0 to 1.25 or more, and a higher ratio can get a lower rate. Each lender sets its own minimum.
Does DSCR use my personal income?
A DSCR loan is approved on the property's rent against its payment, not on your income. Lenders still look at credit and cash reserves.
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Tired landlords and 36 more seller lists from county records, refreshed weekly. Tested on real sales: see the proof (/proof).
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