DSCR Direct

How the DSCR Rent Calculator Works

The DSCR (Debt Service Coverage Ratio) is the single most important number in a DSCR loan. It measures whether a property generates enough rental income to cover its debt payments. This calculator works backward - instead of checking whether a known rent qualifies, it tells you the exact rent you need at three critical DSCR thresholds.

At a 0.75 DSCR, most no-ratio DSCR programs will still fund the loan, though you will pay a higher rate for the added risk. At 1.0, the rent exactly covers the full PITIA payment - principal, interest, taxes, insurance, and association dues. At 1.25 and above, lenders see a comfortable cushion and offer their most competitive rates and terms.

Your total PITIA payment depends on six factors: purchase price, down payment, interest rate, property taxes, insurance, and HOA dues. This calculator combines all six to give you a precise monthly rent target. Compare these numbers to actual market rents (check Zillow, Rentometer, or local comps) to see exactly where your deal falls.

Once you know the rent you need, use the DSCR Direct pricer to pull live rates from hundreds of lenders. Even a small rate reduction lowers your PITIA, which means you need less rent to hit the same DSCR target - making more deals work.