DSCR Calculator
Calculate your Debt Service Coverage Ratio for investment properties
Property Details
DSCR Ratio
0.76
Needs Improvement
Formula: (Monthly Rent × 0.75) ÷ Total Debt Payment
($3,500 × 0.75) ÷ $3,467 = 0.76
Cash Flow Analysis
Monthly Rent$3,500
Effective Rent (75%)$2,625
Principal & Interest$2,817
Tax + Insurance + HOA$650
Monthly Cash Flow-$842
Annual Cash Flow-$10,107
Cap Rate-2.02%
DSCR Guidelines:
- • 1.25+ = Excellent (easy approval)
- • 1.0 - 1.24 = Good (standard approval)
- • 0.75 - 0.99 = May require larger down payment
- • Below 0.75 = Difficult to qualify