Calculation: Monthly rental income divided by principal and interest, taxes, insurance, HOA dues, and management fees. Annual expense inputs are divided by 12. Payments assume a fully amortizing loan.
A ratio above 1.00 means rent exceeds the expenses entered. At 1.00, rent covers those expenses. Below 1.00, rent falls short.
Estimates only. Lenders may use different DSCR formulas or minimum ratios. Results do not determine loan eligibility. Maintenance, vacancy, utilities, and closing costs are not included.
