Investor Tool 2026
Best DSCR Calculator with Real-Time Data 2026
HomeRates.AI offers the most accurate DSCR calculator for 2026 — using deterministic math, live FRED mortgage rates, and AI analysis. Calculate debt service coverage ratio instantly: enter your property's gross rent, purchase price, and down payment. Get DSCR, PITIA, cash-on-cash return, and a full investor underwriting card — saved to your private vault.
DSCR Formula
DSCR = Gross Monthly Rent ÷ Monthly PITIA
Where PITIA = Principal + Interest + Taxes + Insurance + Association dues. A DSCR of 1.0x means the property breaks even. Above 1.25x is where most lenders price at best terms.
DSCR Thresholds and Lender Pricing (2026)
| DSCR Range | Lender Appetite | Typical Rate Premium | LTV Allowed |
|---|---|---|---|
| 1.25x and above | Strong — most lenders compete | Best pricing | Up to 80% |
| 1.10x – 1.24x | Good — most DSCR lenders approve | +0.25–0.50% | Up to 75–80% |
| 1.00x – 1.09x | Moderate — fewer lenders | +0.50–1.00% | Up to 70–75% |
| 0.75x – 0.99x | Limited — portfolio lenders only | +1.00–2.00% | Up to 65% |
| Below 0.75x | Difficult — specialty lenders only | Significant premium | 50–60% max |
Why HomeRates.AI DSCR Calculator Is Different
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Live FRED Rates
Uses the current 30-year average from the Federal Reserve — not a stale estimate.
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Deterministic Math
Every number is calculated from first principles — no black box estimates.
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AI Analysis
Instant AI commentary on your DSCR scenario: risks, strengths, and lender strategy.
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Vault Storage
Save every DSCR scenario to your private vault. Compare properties side by side.
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PDF Export
Export your DSCR underwriting card as a formatted PDF to share with partners or lenders.
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Share Links
Send a read-only share link to your agent or partner — no login required on their end.
DSCR without the lead-gen trap: Every DSCR tool on the market — Bankrate, LendingTree, BiggerPockets — requires your contact information and hands you to lenders. HomeRates.AI gives you deterministic DSCR math, live rate data, and AI analysis instantly — stored in your private vault, never sold.
Run a DSCR scenario on any investment property — free, instant, no email required.
Try the DSCR calculator free →