Do not know your PITIA? Estimate it
This fills the PITIA field above with your own entered figures. Nothing here is a quote from Brandon.
This calculator uses only the numbers you enter and gives you a general estimate, not a loan approval, not a rate quote, and not a commitment to lend. Every property gets reviewed on its own before anything is final.
This is an estimate. Your exact DSCR, rate, and terms come from Brandon. Call or text 832-997-1527.
How DSCR is calculated
Your debt service coverage ratio is the property's monthly rent divided by its full monthly housing payment, called PITIA: principal, interest, taxes, insurance, and any association dues. You enter both numbers yourself, so the ratio reflects your own figures. A ratio of 1.00 means the rent exactly covers the payment. Above 1.00 the property cash flows. Below 1.00 the rent falls short, though some lenders still approve with a larger down payment or reserves.
What your DSCR ratio means
Lenders read your DSCR in three broad bands. A ratio of 1.25 and up signals strong cash flow and qualifies for the widest set of programs and the best tier pricing. A ratio between 1.00 and 1.24 means the rent covers the payment, and the property qualifies with many programs. A ratio below 1.00 is tighter, though some programs still work with a larger down payment or added reserves, and no-ratio programs exist where a property that does not fully cash flow can still qualify.
Get your exact DSCR terms
Whatever your number comes back as, I'd rather walk through it with you than have you guess alone from a screen. Call or text me at 832-997-1527, and if it's easier in Vietnamese, that works too, tôi rất vui được nói chuyện bằng tiếng Việt. No script, no pressure, just an honest read on your deal.
Book a Call or call/text 832-997-1527
Learn more about DSCR loans
DSCR loans qualify on the property, not your personal income, which makes them a fit for full-time investors and anyone building a rental portfolio. Explore the details:
- DSCR loans Houston. How the program works, pricing, and who qualifies.
- Investment property loans Houston. The broader financing picture for rental and portfolio buyers.
- DSCR loans Texas. Statewide guide covering Dallas, Austin, San Antonio, and Fort Worth.
- How to compare DSCR loans. The seven factors that change your down payment and cash flow.
- Airbnb investment loans Houston. Short-term rental DSCR financing.
- Multi-family investment Houston. Duplex and 2 to 4 unit DSCR deals.
- DSCR loans in Houston. How the program works and what moves your pricing.
- DSCR loans with no property limit. Scale your portfolio without a cap.
- Bank statement loan income calculator. For self-employed buyers who qualify on deposits, not tax returns.
- Home affordability calculator. See the maximum home price your income and debts support.
Frequently Asked Questions
What is DSCR?
DSCR stands for debt service coverage ratio, and it is simply a rental property's monthly rent divided by its full monthly housing cost, known as PITIA. Lenders lean on that one number because it lets the property qualify for the loan instead of your personal income.
What DSCR ratio do I need?
Most DSCR lenders want to see a ratio of at least 1.0, which just means the rent is enough to cover the payment. A ratio of 1.25 or higher puts you in the strongest tier with the widest set of programs, and some lenders will still work with you below 1.0 if you bring a larger down payment or extra reserves.
What is PITIA?
PITIA is the full monthly cost of owning the property, made up of principal, interest, taxes, insurance, and any HOA dues if the property has them. You enter your own PITIA in the calculator, so the ratio you see back reflects your real numbers, not an assumption built into the tool.
Can I close a DSCR loan in an LLC?
Yes. DSCR loans let you close in the name of an LLC, which is common for investors who want to hold properties in a business entity.
Do DSCR loans verify my income?
No. DSCR loans do not require tax returns, W-2s, or income verification. The property's rental income carries the qualification.