Does the rent cover the payment?
DSCR loans qualify the property, not you. Rent divided by full payment (PITI + HOA) is the magic number — 1.0× covers it, 1.25× is what most lenders love.
The property
Market or in-place
Your DSCR
1.29×
Strong deal
Plenty of cushion. Most lenders love a 1.25+ DSCR.
Loan amount
$337,500
Monthly PITI
$2,897
Monthly rent
$3,750
Monthly cash flow
$853
Quick reference
< 1.0×
Below break-even
Rent doesn't cover payment
1.0× – 1.24×
Qualifies
In the lender's zone
1.25×+
Strong
Best rates and terms
This calculator is provided for informational and educational purposes only and is intended to illustrate potential scenarios based on user-selected assumptions. The results are estimates and do not constitute a loan offer, credit advertisement, commitment to lend, or guarantee of financing. Actual loan terms, interest rates, fees, APR, and monthly payments may vary based on credit qualifications, property characteristics, loan program, and other underwriting factors. Please contact us for information regarding available loan products, current rates, and applicable disclosures.
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