The two-minute deal check
Does the deal pencil?
DSCR = gross monthly rent ÷ full monthly payment (PITIA). Slide the numbers around, flip the interest-only switch, and watch the ratio move. No email wall — this calculator works for you, not on you.
Debt service coverage ratio
0.00
- P&I $0
- Taxes $0
- Insurance $0
- HOA $0
Calculator results are estimates for illustrative and educational purposes only, are not a quote, rate lock, pre-qualification or pre-approval, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance, qualifying ratios and program minimums vary by scenario. Contact Ashland for figures specific to your situation. DSCR minimums, rent treatment and interest-only availability vary by program. DSCR loans are business-purpose loans for investment property only.
Under the hood
What the ratio means
1.25+
Strong coverage. The rent clears the payment with room to spare — typically the best pricing tier.
1.00 – 1.24
Cash flows. The property covers itself; most DSCR programs live happily in this zone.
0.75 – 0.99
Tight. Some programs allow sub-1.0 ratios with more down or interest-only structure — this is where deal engineering earns its keep.
Below 0.75
Doesn’t pencil yet. Renegotiate the price, raise the rent plan, or find the next one — we’ll tell you straight.
Ratio looking good? Let’s make it real.
Text us the address and your numbers — we’ll sanity-check the rent figure, map the program, and tell you exactly what documentation the deal needs.