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Kane Brooks

Debt Service Coverage Ratio.

DSCR is the ratio lenders read first on a rental: the monthly rent divided by the monthly payment and carrying costs, PITIA. Put your numbers in and see the ratio to two decimals.

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The income
The payment (PITIA)
Debt Service Coverage Ratio
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Enter rent and PITIA to see the ratio.

These numbers are general market information and illustration only, not investment, financial, tax, or legal advice, and not a promise of any result. Confirm the figures for your own deal and talk with your CPA, lender, and attorney before you act.

How the ratio is read

DSCR is monthly rent divided by PITIA. A ratio of 1.00 means the rent exactly covers the payment and carrying costs. Most DSCR lenders look for at least 1.0, and many prefer 1.20 or higher. Every lender, program, and property is different, so confirm the exact figures for your deal with your lender.

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Kane Brooks, Realtor® · Keller Williams Gainesville Realty Partners · Each Office Is Independently Owned and Operated.