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Analyze your next deal in seconds. DSCR qualification, fix and flip profitability, and scenario comparison, all in one place. No sign-up required.
How It Works
DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property's income covers its debt payments.
Total monthly payment includes principal, interest, taxes, insurance, and HOA. If rent is $2,400 and total payment is $2,000, your DSCR is 1.20x.
A 1.0x ratio means rent exactly covers the payment. Most DSCR lenders want at least 1.0x; some go as low as 0.75x with larger down payments.
The higher your DSCR ratio, the better your interest rate. Properties with 1.25x or above typically qualify for the best available pricing.
Say you are buying a $250,000 rental with 20% down. The loan is $200,000, which sits at the 80% LTV ceiling most DSCR programs allow on a purchase. The all-in monthly payment (principal, interest, taxes, and insurance) pencils at $1,720, and market rent is $2,000.
At 1.16x the deal clears the 1.0x floor most programs require, with room to reach the 1.25x tier where pricing improves. Payment figures are illustrative. Run your own numbers in the calculator above, then get a same-day scenario quote from Pinnacle Funding Network to price the deal for real.
Prefer a Spreadsheet?
Full Excel calculator with DSCR, cash-on-cash return, and deal analysis. Free download.
Download Excel CalculatorDivide the property's monthly rent by its total monthly payment: principal, interest, taxes, insurance, and HOA if there is one. Pinnacle Funding Network's calculator runs it the same way: $2,000 in rent against a $1,720 all-in payment is a 1.16x DSCR.
Most programs Pinnacle Funding Network works with want at least 1.0x, meaning the rent covers the payment. Some go as low as 0.75x with a larger down payment, and ratios of 1.25x or higher typically earn the best pricing.
No. DSCR qualification at Pinnacle Funding Network is based on the property's rental income against its payment, not your tax returns or W-2s, so the calculator never asks for personal income.
Purchase price, down payment, estimated taxes and insurance, and market rent (or projected short-term rental revenue for STR deals). The fix and flip tab takes purchase price, rehab budget, and resale figures.
Yes. The Pinnacle Funding Network calculator is free with no sign-up required. When you want real numbers on a specific deal, a same-day scenario quote from PFN is also free, with no credit pull and no obligation.
The calculator runs the math. Pinnacle REI IQ runs the diagnostic. Score yourself across deal analysis, financing, rehab, and markets in under 5 minutes.
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