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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

  1. Enter Income/mo., Payment/mo., Loan amount, and Property value.
  2. Read DSCR, LTV, PTI, and Lender guideline assessment.