Rental loan underwriting worksheet
Run the DSCR math before the lender does.
Estimate a rental property's debt service coverage ratio, cash flow, monthly payment, and rent targets in one focused calculator.
Deal worksheet
ESTIMATE| Target | Required monthly rent |
|---|---|
| 1.00 DSCR | $0 |
| 1.10 DSCR | $0 |
| 1.20 DSCR | $0 |
| 1.25 DSCR | $0 |
DSCR scenario report
Generated report
- Loan amount
- $0
- Monthly payment
- $0
- NOI
- $0
- DSCR
- 0.00
- Cash flow
- $0
- 1.25 DSCR rent
- $0
Educational estimate only.
This report is for educational and informational purposes only. DSCR Desk is not a lender, mortgage broker, or loan originator.
Method
What the calculator measures
DSCR compares a property's net operating income with its monthly debt payment. A ratio above 1.00 means the estimated property income covers the estimated debt service before income taxes and lender-specific underwriting adjustments.
DSCR = Net Operating Income / Monthly Debt Payment
Net operating income in this worksheet starts with monthly rent, subtracts vacancy, then subtracts property tax, insurance, HOA, maintenance, management, and other operating expenses.
Next long-tail pages: DSCR refinance calculator and what is DSCR in real estate.
DSCR calculator FAQ
What DSCR do lenders usually want?
Many DSCR loan scenarios are discussed around 1.00 to 1.25, but each lender sets its own requirements. Property type, market, LTV, credit profile, reserves, and rate structure can all change the answer.
Does short-term rental income count?
Some DSCR lenders consider short-term rental income, while others require lease income or use conservative rent estimates. Use the Airbnb page to model the rent side, then verify underwriting rules with a licensed lender.
Is this mortgage advice?
No. This is an educational calculator. It does not provide financial, legal, tax, or mortgage advice and does not guarantee loan approval.