Debt-Service Coverage Ratio (DSCR) is the single number that most determines whether an investment property qualifies for non-recourse financing. This calculator compares a property's monthly rent to its monthly payment (PITIA) and shows where it lands against our 1.25 minimum.

Do not know the payment yet? Enter a loan amount and term and we will estimate it for you, then show the largest loan the rent can comfortably support.

How it works

1. Enter the monthly rent.
2. Enter the monthly PITIA payment if you know it -- or a loan amount and term to estimate it.
3. Pick the Treasury index that prices the rate.
4. Calculate to see your DSCR, pass / fail against 1.25, and an estimated maximum supportable loan.

Why it matters

Because a retirement account is the borrower on a non-recourse loan, the property has to carry itself -- the rent must service the debt. DSCR is how lenders measure that. A property at 1.25 generates 25% more income than its payment, the cushion non-recourse programs look for.

Running DSCR first tells you whether a deal pencils, how much you can borrow, and how much rent or down payment you would need to close a gap -- before you write an offer.

How to read your result

A DSCR at or above 1.25 meets our baseline. Below 1.25 is not an automatic no -- it signals the rent is tight against the payment, which a larger down payment, a longer term, or an exception may resolve.

The estimated maximum supportable loan is the largest balance whose payment the rent would still cover at 1.25; treat it as a planning ceiling, not a quote. Figures are estimates, not a commitment to lend.

Keep going

Frequently asked questions

Estimates only -- not a commitment to lend; subject to full underwriting.