Compute the debt-service coverage ratio on a rental, see the full PITIA breakdown and monthly cash flow, and find the maximum loan that clears 1.0, 1.1, and 1.25 DSCR.
Estimates for informational purposes only — not a loan offer, commitment, financial advice, or a lending decision. Program limits shown are illustrative and vary by lender.
DSCR lenders qualify the property, not your personal income. They compare the rent the property produces to its full monthly housing cost — principal and interest plus taxes, insurance, and HOA (PITIA). Divide rent by PITIA and you have the coverage ratio. Above 1.0, the property carries itself; below 1.0, you're feeding it every month.
Working backward from a target DSCR tells you the largest loan a property can support — which is exactly how a DSCR underwriter sizes the deal. If you need a bigger loan than the 1.25× number, expect either a larger down payment or a pricing adjustment. Toggle interest-only to see how much more leverage an I/O payment unlocks.
Debt-service coverage ratio is monthly rent divided by the property's monthly PITIA (principal, interest, taxes, insurance, and HOA). A DSCR of 1.20 means the rent covers 120% of the housing payment.
Most DSCR programs want 1.20–1.25 for best pricing, many go to 1.10, and some allow 1.00 or even below with rate adjustments. Below 1.0 the property runs at a loss and options narrow sharply.
We invert the amortization: at a target DSCR, the maximum PITIA is rent ÷ target; subtract taxes/insurance/HOA to get the maximum P&I, then solve the amortization formula for the loan that produces that payment.