How the DSCR Calculator Works

It calculates the debt-service-coverage ratio on an investment property — rental income divided by the mortgage payment — which DSCR lenders use to qualify the loan instead of your personal income.

How It Works, Step by Step

The calculator divides the property's monthly rental income by its monthly debt obligation. A ratio of 1.0 means rent exactly covers the payment; above 1.0 means positive coverage, which lenders prefer.

Florida's rental demand — driven by tourism, seasonal residents, and steady in-migration — supports strong DSCR numbers in many markets, from short-term rentals near the coast to long-term rentals in growing inland suburbs. Higher insurance premiums weigh on the debt-service side, so model them carefully when sizing the ratio.

Want the underlying math? See the dscr formula page, or open the calculator to try it with your own figures.