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DSCR Mortgage Calculator for Smarter Real Estate Investing and Loan Approval

Last Updated: June 25, 2025

What Is a DSCR Mortgage Calculator?

A DSCR mortgage calculator measures property income against debt obligation for real estate scenarios. This online tool computes the Debt Service Coverage Ratio (DSCR) using your property's rental income and total loan payment.

Use the DSCR mortgage calculator by entering rent and PITIA values. PITIA includes principal, interest, taxes, insurance, and association dues for the property's monthly payment. The standard DSCR mortgage calculator applies the formula:

  • DSCR = Rent ÷ PITIA
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