Will the rent support the financing?
Estimate a rental property's debt service coverage ratio (DSCR) and cash flow. You'll see two views — a full-NOI ratio and the lender-style gross rent ÷ PITIA ratio — because lenders don't all calculate it the same way.
Your DSCR estimate appears here.
Enter a purchase price and monthly rent, then calculate.
What this calculator does
It estimates a rental property's debt service coverage ratio — the relationship between the income the property produces and the loan payment it must support — plus its estimated monthly and annual cash flow.
Two ratios, because lenders differ
The headline number is DSCR on a full-NOI basis: net operating income (after vacancy and operating expenses) divided by annual principal and interest. Many DSCR lenders instead qualify using gross rent ÷ full PITIA (principal, interest, taxes, insurance, and HOA), which ignores vacancy and operating costs and usually reads higher. The tool shows both so you can ask a specific lender which method they use.
Who it's for
Real estate investors weighing a purchase or refinance where the property's own income — not personal income documentation — is the center of the financing conversation.
What the result does not mean
It is not an approval, a rate quote, or a guarantee. It does not account for a specific lender's guidelines, reserves, credit requirements, appraisal, or property condition. Treat it as a starting point for a professional conversation.
What you can do next
If the numbers look workable, dig into the full picture with the Rental Cash-Flow Calculator, or read the DSCR financing pathway to understand the questions involved.
Frequently asked questions
What is DSCR?
DSCR compares a property's income to its debt payments. A DSCR of 1.0 means income exactly covers the loan payment; above 1.0 means there is a cushion. This tool estimates DSCR for education only.
Does a good DSCR mean I'm approved?
No. A displayed DSCR is an estimate based on your inputs. Lenders calculate income, expenses, and DSCR differently, and approval depends on many other factors a professional must verify.
Why do you show two DSCR numbers?
Many DSCR lenders qualify using gross rent divided by the full PITIA payment, while a full-NOI view also subtracts vacancy and operating costs. We show both so you can ask a specific lender which method they use.