LendQM
Broker sign-in →
Free · No signup

DSCR Calculator

See your Debt Service Coverage Ratio in real time. Adjust any input — rent, loan amount, rate, taxes — and watch the numbers update. Find out the rent you need for a DSCR ≥ 1.0 or the maximum loan amount the property supports.

Inputs
All fields update the result live.
$
$
%

IO loans give a higher DSCR for the same loan amount because the payment is just the interest portion.

$
$
$
$
Your DSCR
1.19
Break-even (1.00–1.24)

DSCR = monthly rent ÷ PITIA. Most non-QM lenders want ≥ 1.0; the best pricing typically requires ≥ 1.25.

Payment breakdown (PITIA)
Principal & interest (30yr)$2,175.21
Taxes$400.00
Insurance$125.00
HOA$0.00
PITIA monthly$2,700.21
Monthly rent$3,200.00
Cash flow (rent − PITIA)$499.79
LTV75.0%
What rent would I need?
For your current loan amount.
For DSCR = 1.00 (break-even)$2,700.21
For DSCR = 1.25 (best pricing tier)$3,375.26
What's my max loan?
Based on the rent you entered.
Max loan for DSCR = 1.00$368,930.21
Max loan for DSCR = 1.25$280,662.79
Want a full non-QM estimate?
See which programs fit beyond just DSCR.
Run estimator
Get this scenario as a PDF
A 2-page LendQM-branded snapshot of your DSCR analysis. Take it to a DSCR lender so they have the same numbers you do.
Big DSCR number with strong/break-even/weak tag
PITIA breakdown + cash flow + LTV
Required rent for DSCR 1.0 / 1.25
Max loan amount for DSCR 1.0 / 1.25
Educational explainer — DSCR mechanics + benchmarks
LendQM branding + unique report ID
We don't sell your information.
The only people who'll see what you submit are the LendQM team and you. We never share your data with lenders, brokers, or third parties without your explicit consent.

How DSCR works

DSCR (Debt Service Coverage Ratio) is the rental income a property generates divided by its full mortgage payment (PITIA: principal, interest, taxes, insurance, HOA). Non-QM DSCR loans qualify investors using the property's cash flow rather than personal income — no tax returns, no W-2s.

  • DSCR ≥ 1.25 is "strong." Best pricing tier, most aggressive LTVs.
  • DSCR 1.00 – 1.24 is break-even. Approvable at most lenders, but pricing tightens.
  • DSCR 0.75 – 0.99 is "weak but financeable" — only some lenders accept, with rate hits and lower LTVs.
  • DSCR < 0.75 is hard to finance.

Levers that move DSCR: rate (interest-only structures help), loan amount (smaller loan = better ratio), rent (often the only field outside your control), and taxes/insurance (shop those quotes).