Debt Service Coverage Ratio (DSCR) is a rental property's gross rent divided by its monthly housing payment (PITIA). This tool estimates DSCR from the figures you enter — no rates, no qualification decision. Viador Partners is an investor-financing advisory and is not the lender.
Formula. PITIA = principal & interest + taxes + insurance + HOA/association dues. DSCR = monthly gross rent / PITIA, rounded to two decimals. A DSCR of 1.00 means the rent exactly covers the housing payment.
Interpretation (educational, not an approval signal). Many investor lenders look for a DSCR around 1.0–1.25, but minimums, rent treatment (especially for short-term rentals), reserves, LTV, FICO, property type, and prepayment structure vary materially by lender and program. This tool does not make a qualification decision.
Alternative definitions. Some lenders and commercial analyses use a net-operating-income (NOI) based DSCR (NOI ÷ debt service) rather than gross-rent ÷ PITIA. This calculator uses the common residential gross-rent ÷ PITIA convention. Lender overlays vary; this is not a qualification decision.
Hypothetical (not an offer). If a property had $3,000 monthly gross rent and $2,500 total PITIA, the DSCR would be 1.20. This illustrates the math only — it is not a quote, rate, or offer.
DSCR is a fast way to see where a deal stands, but the ratio alone doesn't decide anything — how a lender treats the rent (especially short-term rental), reserves, LTV, and credit all move the outcome. Viador is the advisory; we map the scenario across programs and originate through Focus Home Mortgage Inc., NMLS #2769672. We are not the lender. — Chad Evers, NMLS #2822744. Educational, not individualized advice.
Related: DSCR loans · DSCR requirements · what is a DSCR loan? · bank statement loans
Send the property, rent, and loan goal for an educational scenario review.
This is an educational estimate, not a Loan Estimate, an offer, or a commitment to lend. Actual terms are set by the lender and program and depend on your full profile. Lender overlays vary. Viador Partners is an advisory and is not the lender; loans are originated through Focus Home Mortgage Inc. NMLS #2769672. Equal Housing Lender. Currently serving OH, MD, TN, FL.