LandlordGauge

DSCR rent calculator

Estimate the rent needed for your target DSCR and the DSCR your actual rent gives, from principal, interest, taxes, insurance and HOA.

Your coverage target

A user-entered coverage target, not a lender requirement. Technical range 0.01 to 100.

Mortgage principal; enter 0 if no mortgage.

Survey average for 30-year fixed home purchase loans, not a DSCR or investment-property quote. Replace it with your lender’s rate.

Typical value, change it to yours. Source: Freddie Mac Primary Mortgage Market Survey, checked .

Whole years from 1 to 50; this is the calculator’s supported range.

Typical value, change it to yours. Source: CFPB: shopping for a mortgage (loan term), checked .

One full year of property taxes.

One full year of insurance; include mortgage insurance here if applicable.

One month of association fees.

Your own figure: the rent from the lease or the rent you expect. In short-term mode, average gross monthly income.

Long-term mode counts all of the rent.

Your result

Example result

Required monthly rent

$3,158.93Target ratio × monthly PITIA

Estimated scheduled rent: your target DSCR of 1.25 times monthly PITIA, rounded up to the next cent so the target is met.

DSCR at your rent

1.27×Monthly rent ÷ monthly PITIA

Estimate: your monthly rent divided by monthly PITIA. This is at or above your target of 1.25, compared before rounding.

Monthly PITIA from the entered costs: $2,527.14.

Example: illustrative actual rent of $3,200.

Rates as of