DSCR Real Estate Investor Mortgage Calculator | Iron Edge Mortgage

DSCR Investor Calculator

Calculate your Debt Service Coverage Ratio for Florida Investment Properties

Calculated Debt Service Coverage Ratio (DSCR)
1.19
Illustrative DSCR: 1.00–1.24
Est. Monthly PITIA
$3,787 / mo
Rent Less Housing Payment
+$713 / mo
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How this DSCR estimate works

DSCR equals entered gross monthly rent divided by principal, interest, property taxes, insurance and HOA dues. Principal and interest assume a fully amortizing 30-year loan at your entered rate and down payment. The example rate is not a quote.

Rent less housing payment excludes vacancy, maintenance, repairs, management and other operating expenses; it is not net profit. Interest-only payments and lender-specific rent adjustments are not modeled. Ratio bands describe the calculation only and do not establish loan eligibility, pricing, reserves or approval.

DSCR loan options · Florida investor guide

REGULATORY DISCLOSURE & DISCLAIMER: This interactive calculator provides general educational estimates for informational purposes only and does not represent a commitment to lend, credit pre-approval, or a formal rate lock agreement. DSCR loan eligibility is subject to full underwriting analysis, property appraisal, lease agreement/market rent schedule verification (Form 1007/1025), title examination, and investor guidelines. Iron Edge Mortgage LLC is a licensed Florida Mortgage Brokerage (License # MBR8609), NMLS # 2831372. Principal Office: 2231 Pineland Ave, Naples, FL 34112. Phone: (239) 385-1104. Equal Housing Opportunity. NMLS Consumer Access.