30-yr fixed6.75%+0.0315-yr fixed6.05%+0.00FHA 30-yr6.55%+0.08VA 30-yr6.38%+0.08Jumbo 30-yr6.82%+0.11Updated September 1, 2026
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DSCR rental

Debt service coverage ratio: does the rent cover the payment? This is how investor loans qualify the property instead of you.

DSCR (rent ÷ payment)
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Monthly payment (PITIA)
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Monthly cash flow
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Loan amount
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Rent needed for 1.20
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Most DSCR lenders want 1.0 or higher; 1.2 and up gets the best pricing. Below 1.0 some lenders still lend, at a higher rate and lower loan-to-value. Vacancy and maintenance are not in this ratio, so your real cash flow will be lower.

Estimates only, from the numbers you enter. Not an offer of credit. Taxes, insurance and program rules vary. lowest.mortgage is not a lender.