A fast lender-style qualification check for rental deals. Enter monthly rent and obligations to see the Debt Service Coverage Ratio and pass/fail indicator.
If not already in PITI
If not already in PITI
Total monthly obligation
$1,600.00
DSCR
1.50
Lender indicator
Pass
1.40+ — strong coverage
DSCR = gross monthly rent ÷ total monthly obligations. Most non-QM DSCR lenders approve loans at 1.20 or better; some go down to 1.00 with a rate bump.
DSCR is gross monthly rent divided by the full monthly obligation on the property. Non-QM DSCR lenders typically require 1.20 or higher. Below 1.00 the property does not cover its own payment. Learn more in our DSCR guide or model a full deal in the investment calculator.