DSCR Loan Calculator
Calculate NOI, PITIA, and DSCR using lender-style inputs.
INVESTOR-GRADE TOOL
The debt service coverage ratio explained by Investopedia covers the general financial definition — for rental property investors, the practical version replaces EBITDA with net operating income and uses PITIA instead of interest expense alone.
PRIMARY OUTPUT
Debt Service Coverage Ratio
0.00x
Enter numbers to evaluate
Monthly NOI
$0
Monthly PITIA
$0
Qualify?
No
1. Property Information
2. Income Calculation
Use the rent figure the lender is likely to underwrite, then apply a vacancy factor to estimate effective gross income.
3. Expense Calculation
4. Debt Service Calculation
Deal Verdict
Enter your deal numbers above.
DSCR Quick Reference
- 1.25+ — Strong. Deal absorbs surprises. Proceed to full underwriting.
- 1.00 – 1.24 — Marginal. Thin margin. Stress test required.
- Below 1.00 — Negative Coverage. Does not qualify. Renegotiate or walk.
Calculated Metrics
Effective Gross Income
$0
Total Monthly Expenses
$0
Annual NOI
$0
Monthly P&I
$0
Underwriting Breakdown
Monthly Taxes: $0
Monthly Insurance: $0
Monthly HOA: $0
Assessment
Enter the deal inputs, then calculate to see whether the property looks strong, moderate, or weak from a DSCR standpoint.
How this tool works
- Effective gross income = rent used for DSCR × (1 − vacancy factor)
- Total monthly expenses include taxes, insurance, HOA, management, maintenance, utilities, and other expenses
- Monthly NOI = effective gross income − total monthly expenses
- Monthly PITIA = principal & interest + monthly taxes + monthly insurance + HOA
- DSCR = monthly NOI ÷ monthly PITIA