FOR INVESTORS

Residential DSCR Calculator

( 1-8 Units )

Qualify an investment property the way we do. Enter/Update 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 Amount

Interest Rate

Amortization

▾

Loan-to-Value

75.00%

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

$5,791

Annual PITIA

$69,486

Debt Service Coverage Ratio

1.38x

Strong

Qualifying Rent: $8,000
Monthly PITIA: $5,791
Monthly Cash Flow: $2,209

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.