Run the DSCR Math Before You Write the Offer

Estimate whether the rent covers the payment, see the PITIA breakdown, and send the scenario to Adam if the deal deserves a closer look.

Start Calculating Send Your Scenario

DSCR Calculator

Defaults are placeholders. Adjust the numbers to match the property.

Property & Loan Inputs

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Loan amount: $400,000

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Gross monthly rent before vacancy or operating expenses.

Estimated DSCR

Rent ÷ PITIA
1.08 x
Solid coverage
Monthly Cash Flow $0
Solid coverage Solid. The estimated rent covers the estimated debt payment.

PITIA Breakdown

  • Principal & interest$0
  • Property taxes (monthly)$0
  • Insurance (monthly)$0
  • HOA$0
  • Estimated monthly PITIA$0

Rent, purchase price, down payment, taxes, and rate all affect the DSCR.

Estimates only. Not a quote, loan offer, approval, commitment to lend, or Loan Estimate. For business-purpose investment property scenarios. Terms are subject to credit, property, income/rent analysis, and program approval. DSCR loans are for investment properties, not primary residences.

Want Adam to review the real scenario?

Send the property, rent, and rough numbers. I'll tell you whether the deal has a DSCR path before asking you to complete a full application.

Send Your Scenario Book 15-Min Call

What the DSCR number actually tells you

DSCR compares the property's gross monthly rent to the estimated monthly PITIA payment. It is one lens lenders use for investment-property financing, but it is not the whole file. Credit, reserves, property type, rent source, loan structure, and program fit can all matter.

Is DSCR below 1.0 bad?

No. Many investor properties, especially in competitive Texas markets, come in below 1.0 on a simple rent-to-payment calculation. That does not automatically mean weak pricing or a dead file. It means the full scenario matters.

What numbers actually move the result

Purchase price and down payment drive the loan amount. Loan amount and interest rate drive principal & interest. Property taxes and insurance vary by county, property type, and risk profile. HOA dues can shift the math on condos and townhomes. The rent side is usually set by the market — but lease versus market versus short-term-rent income can each be evaluated differently depending on the loan structure.

Bottom line: The calculator gives you a directional read. If the deal looks close, send it to Adam — sub-1.0 files often have a path that a simple ratio doesn't reveal.

Ready for Adam to review the real scenario?

Send the property, rent estimate, and your rough plan. I'll come back with whether there's a DSCR path — usually same day.

Send Your Scenario Book 15-Min Call

Adam Styer — NMLS #513013 — (512) 956-6010

Estimates only. The DSCR calculator on this page is for educational and scenario-planning purposes. It is not a quote, loan offer, approval, commitment to lend, or Loan Estimate. For business-purpose investment property scenarios. Terms are subject to credit, property, income/rent analysis, and program approval. DSCR loans are for investment properties, not primary residences.