FOR INVESTORS

DSCR Calculator

(Residential, 1-4 Units)

Qualify an investment property the way we do. Enter the loan terms, rental income, and operating expenses to see your debt service coverage ratio in real time.

Loan Terms

Subject Property

Sales Price/Property Value

Loan-to-Value

Interest Rate

Amortization

▾

Loan Amount

$750,000

Monthly P&I

$4,741

Annual P&I

$56,886

Rent & PITIA

Monthly

Qualifying Rental Income

Property Taxes

Homeowners Insurance

HOA / Condo Dues

Monthly PITIA

$5,241

Annual PITIA

$62,886

Debt Service Coverage Ratio

0.67x

Below 1.0

Qualifying Rent: $3,500
Monthly PITIA: $5,241
Monthly Cash Flow: -$1,741

How it's calculated

DSCR = Qualifying Rent ÷ PITIA. PITIA = Principal + Interest + Taxes + Insurance + HOA. Most lenders look for 1.00x or higher, with the best pricing at 1.25x+.

SUBMIT DSCR SCENARIO

Estimates only. Final DSCR underwriting is subject to Lyons Mortgage Services review.