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Rental property DSCR calculator

Understand the relationship between rent and monthly property debt service.

LumenBlockInvestor financing tools · powered by LumenBlock

Does the rent cover the payment?

Illustrate your debt-service coverage ratio (DSCR). Edit the monthly figures below.

Illustrative DSCRMonthly gross rent ÷ monthly PITIA1.25×

Illustrative defaults: $3,000 rent ÷ $2,400 PITIA = 1.25×.

Inputs stay in this browser unless you explicitly choose to include estimates in a financing request. Zero rent is valid; PITIA must be greater than zero. An illustration, not a qualifying decision. Lender rent, vacancy, expense, debt-service and property-type methods may differ.

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A financing request is optional. LumenBlock reviews your needs before any authorized referral; a lender or financing partner decides whether financing is available.

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Continue in this tab to keep estimates local. Embedded tools open the request in a new tab without estimates.

How should I interpret DSCR? · Get a free tool for your business

How LumenBlock is paid. The tool is free for business partners. LumenBlock earns a referral or affiliate commission from a lender or financing partner only when a referred deal is funded. No commission to your business is promised. Financing availability and terms are reviewed case by case; using a calculator or submitting a request is not a loan application, offer, or approval.
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