How to calculate DSCR
Our debt service coverage ratio calculator uses the following formula:
Minimum acceptable DSCR
Most lenders want a minimum ratio of 1:1, but some will do no ratio. No ratio means that they do not care if the gross rental income is greater than the total housing payment.
If your property doesn't ratio, it is riskier to the bank, so the interest rate and upfront fees will be higher. The better the ratio, the better the terms your property will qualify for.
What is a 1.25 DSCR?
A 1.25 DSCR means that the income from your property will be able to cover the total debt service related to your property and have enough left over for an income for you.
1:1 exactly represents the amount needed to cover the loan, while 0.50 represents the amount that is left over.
For example, if your total housing payment (PITIA) is $1,000 and yoru gross monthly income is $1,250, your DSCR would be 1.25.
DSCR Calculator
DSCR Calculator
How to calculate DSCR
Our debt service coverage ratio calculator uses the following formula:
Minimum acceptable DSCR
Most lenders want a minimum ratio of 1:1, but some will do no ratio. No ratio means that they do not care if the gross rental income is greater than the total housing payment.
If your property doesn't ratio, it is riskier to the bank, so the interest rate and upfront fees will be higher. The better the ratio, the better the terms your property will qualify for.
What is a 1.25 DSCR?
A 1.25 DSCR means that the income from your property will be able to cover the total debt service related to your property and have enough left over for an income for you.
1:1 exactly represents the amount needed to cover the loan, while 0.50 represents the amount that is left over.
For example, if your total housing payment (PITIA) is $1,000 and yoru gross monthly income is $1,250, your DSCR would be 1.25.
Debt Service Coverage Ratio: No-Income Mortgage Loan
Debt Service Coverage Ratio:
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Qualify Based on Rental Income Only!
No Personal Income Needed to Qualify!
Interest Only Options Available!
Fund Into Corporation or LLC
No Pre-Pay Options
AirBnB's Allowed
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© 2026 Joe Does Loans LLC
About Us
We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life.
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© 2026 Joe Does Loans LLC
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