Free DSCR debt-stack check

See if the rent covers the full monthly loan payment in 10 seconds.

Enter rent, principal and interest, taxes, insurance, HOA and fixed debt. Then hit the deal with a lender rent reduction and a tax-and-insurance jump.

  • No login, sales call or lender routing
  • Inputs stay in your browser
  • Built for a hard-credit-pull safety margin
01

Monthly monthly payment total

Saved locally
02

Break-it test

0.00x

Enter the deal numbers to see the stressed DSCR.

Rent after lender reduction$0
Total monthly housing payment$0
Monthly money left after payment$0
Extra rent needed$0

Maximum total monthly payment: $0

Educational estimate only — not a loan offer, rate quote or lender approval. Full disclaimer

The formula

DSCR = rent the lender counts ÷ total monthly housing payment

If qualifying rent is $4,000 and the lender-defined monthly debt service is $3,200, the ratio is 1.25x.

Do not run principal and interest alone. Taxes, insurance and HOA can turn a clean-looking deal into a miss.

Appraisal check

Appraiser 1007 rent schedule shortfalls

Your signed lease is not always the qualifying rent. If the 1007 market-rent schedule comes in light—or the lender accepts only part of it—use the rent-haircut field before trusting the ratio.

Deal killers

Stress these before the lender does

Delayed financing cash-out limits

Buying cash does not guarantee every dollar comes back. Eligible basis, seasoning rules and LTV limits can shrink the new loan and change the payment you model.

Bexar County tax reassessments

The seller's tax bill may carry a lower assessment or exemptions you will not keep. Test a purchase-price tax estimate instead of copying last year's bill.

Insurance and HOA resets

A renewal quote, master-policy problem or special assessment can erase a thin cushion. Put the ugly number in now, not after appraisal.

Keep working the deal

LTV calculator

Check leverage, cash down and appraisal compression.

Rental ROI calculator

Add vacancy and operating costs to test the actual hold.

DSCR loan requirements

Review reserves, credit, property type and lender overlays.

Choose the next calculation

What are you trying to solve?

DSCR Test

Compare rent with the full monthly payment.

Payment Ceiling

Find the payment the rent can actually carry.

Maximum Loan

Convert the maximum payment into a loan amount.

Quick answers

Frequently asked

What costs should be included in a DSCR ratio?

For a practical rental-loan screen, test principal, interest, property taxes, insurance, HOA dues and any other fixed debt service required by the lender.

Why can an appraiser 1007 rent schedule lower DSCR?

A lender may use the appraiser-supported market rent or apply a lender rent reduction instead of using the full lease amount. A lower qualifying rent reduces the DSCR ratio.

Does delayed financing change the DSCR formula?

No. Delayed financing can change the eligible loan amount and resulting payment, but DSCR is still qualifying rental income divided by the lender-defined debt service.