Short answer
The mechanics of debt-service coverage ratio underwriting.
DSCR = monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, association dues). Above 1.0 is cash-flowing.
Ratio calculation
DSCR = monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, association dues). Above 1.0 is cash-flowing.
Pricing tiers
Better DSCRs earn better rates; sub-1.0 DSCR loans exist but come with more conservative terms.
Key takeaways
- Above 1.0 = property covers itself.
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.