Calculators
Long-Term Rental — Debt Service Coverage Ratio
Debt Service Coverage Ratio asks the question, "How well can the property pay for itself?" — not how well can you pay for it.
The formula: Rent ÷ PITIA — Principal + Interest + Taxes + Insurance + Association Dues.
A 1.000 means rent exactly covers the mortgage. No utilities, no property management, no vacancy. Only the mortgage.
Note 1: Interest-Only payment reflects the first ten years only — principal is added in Year 11.
Note 2: ARMs are not included in this calculator.
| Monthly Rent | |
| PITIA | |
| Breakdown | |
| Principal & Interest | |
| Taxes | |
| Insurance | |
| Loan Summary | |
| Purchase Price | |
| Loan Amount | |
| Down Payment | |
| LTV | |
This calculator is for estimation purposes only. Actual loan terms, payments, and ratios will vary based on lender requirements, property type, and borrower qualifications.
