Estimate your Debt Service Coverage Ratio in seconds. This is an estimate only — participating lenders will verify actual figures during underwriting.
Rental income: $0
Total monthly debt: $0
Get Matched With a Lender →DSCR = Monthly Gross Rental Income ÷ Total Monthly Debt Service (principal, interest, taxes, insurance, and HOA dues, often abbreviated PITIA).
A ratio of 1.0 means the property's rent exactly covers its housing debt payment. Most DSCR lenders prefer 1.0–1.25 or higher, though many programs allow lower ratios — sometimes down to 0.75 — with a rate or down payment adjustment. Requirements vary by lender and are not set by The DSCR Resource Center.