DSCR Calculator. Short & long-term rents.
Calculate your debt service coverage ratio in real-time – the way investor lenders actually underwrite it. Supports both short-term and long-term rental income models we use for underwriting decisions.
Advanced
On a 5-minute call with you, we can use Scout to run real numbers on real properties.
Estimates for educational purposes. Final terms subject to credit, property & program approval.
The investor’s qualification math, in plain English.
DSCR (Debt Service Coverage Ratio) loans qualify you based on whether the property pays its own way – not on your tax returns, W-2s, or DTI. Here’s how the number gets built, and what it means.
Rent ÷ ITIA
Scout eligibility uses monthly qualifying rent divided by interest, taxes, insurance, and HOA. The calculator separately shows the fully amortized PITIA ratio. Above 1.0 means the property covers that payment on paper.
Projected gross revenue
For STR investments, we use projected annual revenue from top industry sources we trust for underwriting decisions, with a default 20% expense factor (vacancy, cleaning, management). Some programs allow lower factors with operating history.
1007 / Market rent
For LTR investments, the appraiser fills out a 1007 form with market rent for the unit type. We use that monthly figure directly – no expense factor applied.
Exceptional
Top-tier deal. The property throws off well more than the debt service, so you get the best pricing, highest LTV options, and the fewest reserve requirements.
Strong
Likely approved with strong terms. Real cash flow over the debt service – most lenders treat this as the gold zone.
Good
Qualifying range. The property breaks even or slightly above and funds with standard pricing – some programs ask for a little more in reserves.
Below breakeven
The rent doesn't cover the payment on paper – but that rarely ends the deal. We can often make it pencil by advising on a larger down payment, a rate buydown, or using Scout to find a nearby property that already cash-flows. Talk to us before you walk.
Built the way underwriting actually works.
Most online DSCR calculators round corners. Ours mirrors how our underwriters score files in-house.
- Both rent models in one tooltoggle between short-term and long-term rental income in real time
- Scout eligibility firstthe headline ratio matches the interest-only DSCR our CRM uses to filter and initially qualify properties
- Property tax flexibilitytoggle between county tax rate (% / yr) and a flat monthly amount, depending on what you know
- ITIA and PITIA itemizedsee exactly how interest, principal, taxes, HOA, and insurance affect both financing views
- 30-year amortizationthe fully amortized ratio stays visible alongside the primary eligibility calculation
5 senior bankers · 47 statesA DSCR result is only as reliable as the inputs.
We’ll check the revenue source, payment assumptions, property eligibility, and reserves before you write an offer.
Properties that clear our published screen.
Real active listings with projected income we accept as a direct lender means properties in our Scout platform can fund in as little as 15-18 days. Reach out and we’ll show you how.
$274,900 — 3-bed house in North Port, FL
DSCR 1.26 (debt-service coverage ratio)House · 3 bed · 2 bath · 1,715 sqft
- Projected STR revenue
- $31,200–$39,700/yr
See the market data for this metro
Scout this home & market: 3-bed house in North Port, FLListed by PEACOCK PREMIER PROPERTIES LLC
$238,000 — 3-bed townhouse in Georgetown, TX
DSCR 1.55 (debt-service coverage ratio)Townhouse · 3 bed · 2 bath · 1,060 sqft
- Projected STR revenue
- $37,500–$47,700/yr
See the market data for this metro
Scout this home & market: 3-bed townhouse in Georgetown, TXListed by Epperson Realty Group LLC
$359,900 — 3-bed house in Peoria, AZ
DSCR 1.37 (debt-service coverage ratio)House · 3 bed · 2 bath · 1,405 sqft
- Projected STR revenue
- $39,800–$50,700/yr
See the market data for this metro
Scout this home & market: 3-bed house in Peoria, AZListed by W and Partners, LLC
Turn the result into a closing plan.
Send the address and your inputs. A real person will follow up with the next step.
Prefer to talk now? Call or text Chad: 858-353-8331.