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DSCR Calculator
DSCR (debt service coverage ratio) = gross monthly rent / monthly PITIA (principal, interest, taxes, insurance and HOA). Enter your numbers below to see your ratio, your monthly payment, and which lenders' published minimum DSCR you meet. Example: $2,000 rent against a $1,680.60 payment is a DSCR of 1.19.
DSCR calculator
Enter the rent, loan amount and rate to see your DSCR.
How DSCR is calculated
DSCR = gross monthly rent / monthly PITIA, where PITIA is principal, interest, property taxes, insurance and HOA dues. A DSCR of 1.00 means the rent exactly covers the payment; above 1.00 the property has room to spare, below 1.00 the rent falls short.
Example
| Item | Per month |
|---|---|
| Principal and interest ($200,000, 7%, 30 years) | $1,330.60 |
| Property taxes ($3,000 a year) | $250.00 |
| Insurance ($1,200 a year) | $100.00 |
| HOA dues | $0.00 |
| Total PITIA | $1,680.60 |
| Rent | $2,000.00 |
| DSCR ($2,000 / $1,680.60) | 1.19 |
Minimum DSCR by lender
Published minimums among the lenders we checked run from no minimum (Easy Street Capital and Griffin Funding) to 1.1 (Groundfloor), and Ternus asks for 1.15 below 680 credit. Lenders also weigh credit score, loan-to-value and cash reserves, and each lender decides which rent figure and expenses go into its own DSCR, so its number can differ from this calculator's.
| Lender | Minimum DSCR | Starting rate |
|---|---|---|
| Easy Street Capital | No minimum | From 5.75% (its FAQ dates this to September 2025) |
| Griffin Funding | No minimum; no-ratio program | From 5.99% (1-year ARM); 30-year fixed from 7.125% (October 2026) |
| Upright | 0.90x (1.15x for short-term rentals) | From 5.99% (as of August 2026) |
| RCN Capital | 1.00 | From 6.00% |
| New Silver | 0.75 | From 6% |
| Kiavi (loans made by Figure Lending) | 0.8x | As low as 6.25% |
| Express Capital Financing | 1.0x (also lists a no-DSCR option) | From 6.25% |
| Lima One Capital | 1.0 | As low as 6.5% |
| LendingOne | As low as 0.75 | Not published |
| CoreVest | 0.80x | Not published |
| Ternus | 1.00x at 680+ credit; 1.15x at 660 to 679 | Not published |
| Groundfloor | 1.1 | Not published |
| Visio Lending | Not stated | Not published |
Read from each lender's own website. See DSCR loans compared for rates, loan-to-value, credit minimums and loan sizes.
Frequently asked questions
How do you calculate DSCR?
Divide the gross monthly rent by the monthly PITIA payment (principal, interest, property taxes, insurance and HOA dues). For example, $2,000 rent / $1,680.60 PITIA = a DSCR of 1.19.
What is a good DSCR for a rental loan?
1.00 or higher means the rent covers the full payment. Among the lenders we checked, published minimums run from no minimum to 1.1, and several publish minimums below 1.00: New Silver and LendingOne 0.75, Kiavi and CoreVest 0.8, and Upright 0.90.
Does an interest-only loan change the DSCR?
Yes. An interest-only payment is lower than an amortizing payment, so the same rent gives a higher DSCR. Tick the interest-only box in the calculator to compare.
Is DSCR the same for every lender?
No. Each lender decides which rent figure and expenses go into its DSCR, so treat this calculator as an estimate and ask each lender how it calculates DSCR.