DSCR Calculator
Does the rent cover the payment?
Enter the property, the loan and the rent. Your debt service coverage ratio updates as you type.
Your rental
30-year amortization. All amounts in US dollars.
Questions about the calculator
What does the ratio measure?
How much of the monthly payment the rent covers. At 1.00 the rent equals the full payment. At 1.25 the rent is 25% more than the payment.
Why does the payment include taxes, insurance and HOA?
Lenders size DSCR loans on the full monthly housing payment, not principal and interest alone. Leaving those costs out makes the ratio look stronger than it will in underwriting.
Is this an approval or a rate quote?
No. It is an estimate on a 30-year schedule at the rate you enter. Apply when the numbers work, and Sphinx Capital will review the actual property, lease and loan request.