DSCR Calculator
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Monthly rent
Enter the monthly rental income from the property
Annual taxes
Enter the annual property tax amount
Annual insurance
Enter the annual property insurance cost
Annual HOA
Enter the annual homeowners association fees
Loan purpose
Select whether this is a purchase or refinance
PURCHASE
REFINANCE
Purchase price
Enter the property purchase price
Estimated AS-IS value
Enter the current estimated value of the property
Existing debt
Enter the current outstanding loan balance on the property
Loan to value (LTV)
Enter the loan-to-value percentage
%
Loan amount
Calculated loan amount based on property value and LTV
Interest rate
Enter the annual interest rate
%
Monthly payment
Total monthly payment including principal, interest, taxes, insurance, and HOA
$901 /month
Total loan
Total loan amount
$142,500
DSCR
Debt Service Coverage Ratio
2.26
DSCR (Debt Service Coverage Ratio) is calculated as:
Annual rental income:
$29,400
Annual mortgage service:
$10,808
Annual taxes:
$1,100
Annual insurance:
$900
Annual HOA:
$213
Total annual debt service:
$13,021
DSCR
$29,400 รท $13,021 = 2.26
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