Free Tool · DSCR
DSCR calculator, with the sub-1.0 playbook built in.
DSCR is monthly rent divided by the full monthly payment — principal, interest, taxes, insurance, association dues (PITIA). Lenders will use the lower of your lease or the appraiser's market rent, so run the conservative number here and you'll be ahead of underwriting, not surprised by it.
Use the lease or the appraiser's market rent — whichever is lower
Principal + interest + taxes + insurance + HOA
How lenders read your number
- 1.20 and above — the easy zone. Most programs' best pricing and highest leverage start here.
- 1.00–1.19 — financeable nearly everywhere, with pricing improving as the ratio climbs.
- 0.75–0.99 — the sub-1.0 zone: declined by most lenders, placeable with the right ones using compensating factors. This is the deal our sub-1.0 guide walks through in full.
- Below 0.75 — beneath most program floors. Usually the property isn't ready for 30-year money; a bridge-then-refinance path or a rethink of the deal is the honest conversation.
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This calculator is an educational estimate. Lenders calculate DSCR from verified figures — the appraiser's rent schedule, actual tax and insurance bills, and the priced loan — which may differ from your inputs. Results are not a prequalification, an offer, or a commitment to lend. Eniji Lending is a brand of Eniji LLC, a wholesale loan brokerage, not a direct lender. See our Lending Disclosures.