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Real Estate
DSCR and LTV
Debt service coverage for a mortgage
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Parameters
Results
- DSCR
- 4.09
- LTV
- 80%
- PTI (payment/income)
- 24.4%
- Lender guideline
- Within range
DSCR = income/payment; PTI is the share of income going to the mortgage.
How it works
Calculate debt service coverage ratio, LTV, and payment-to-income for a mortgage.
Who it's for: Real estate investors and lenders evaluating rental or owner-occupied loans.
DSCR = monthly income ÷ mortgage payment — lenders often want ≥ 1.25 for investment property.
LTV = loan amount ÷ property value.
PTI = payment as a percentage of income.
How to use
- Enter Income/mo., Payment/mo., Loan amount, and Property value.
- Read DSCR, LTV, PTI, and Lender guideline assessment.