DSCR at Different Rates Calculator
See DSCR at the published 30-year fixed LTV cells for a 720–739 / 1.00–1.24 file — 6.375% through 7.00%.
Rate scenario inputs
See DSCR at every rate
Principal borrowed
Typically 30
Market or lease rent
Annual ÷ 12
Hazard premium ÷ 12
Optional
| Rate | P&I | PITIA | DSCR | Status |
|---|---|---|---|---|
| 6.375% | $1,872 | $2,292 | 1.22 | 1.00+ |
| 6.50% | $1,896 | $2,316 | 1.21 | 1.00+ |
| 6.625% | $1,921 | $2,341 | 1.20 | 1.00+ |
| 6.75% | $1,946 | $2,366 | 1.18 | 1.00+ |
| 7.00% | $1,996 | $2,416 | 1.16 | 1.00+ |
Rates are the 720–739 row of the published 30-year fixed, 1.00–1.24 DSCR grid (October 2026).
Green rows hit the 1.25 DSCR threshold for best pricing. Yellow rows qualify for broad lender access. Below 1.0 you still have options — but LTV caps tighten and rate add-ons apply.
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Why rate scenarios matter for DSCR deals
DSCR lenders use your interest rate to calculate P&I, which is the largest component of PITIA. A half-point rate difference on a $300,000 loan is roughly $100/month — enough to move DSCR by 0.05–0.08 points depending on your rent and fixed costs. On a deal where you're targeting 1.25 DSCR, that swing is the difference between best-pricing and a rate add-on.
The rate scenarios table shows you, at a glance, whether your deal has cushion across the published LTV cells for that tier. If every cell still clears 1.25, you can be selective. If only the lowest LTV cell clears 1.25, the deal needs more equity, interest-only, or a lower loan before you lock.
The two DSCR thresholds that matter most
Most DSCR lenders use two key thresholds in their pricing matrix:
- 1.25+: Best pricing. Full LTV access. Widest lender pool. No DSCR add-on to rate.
- 1.00–1.24: Mainstream pricing. Broad lender access. LTV up to 80% for strong credit. No or minimal rate add-on.
Below 1.00, you start to see material rate add-ons (typically +0.25 to +0.50%) and LTV caps that tighten to 70–75%. The rate scenarios table color-codes each row to show you which tier each rate produces.
How much does each 0.5% rate move affect DSCR?
On a 30-year $300,000 loan with $2,800/month rent and $700/month taxes, insurance, and HOA, the same file at each published LTV cell:
| Rate | P&I | DSCR (at $700/mo TIHA) |
|---|---|---|
| 6.375% | $1,872 | 1.09 |
| 6.50% | $1,896 | 1.08 |
| 6.625% | $1,921 | 1.07 |
| 6.75% | $1,946 | 1.06 |
| 7.00% | $1,996 | 1.04 |
TIHA (taxes + insurance + HOA) assumed at $700/month in this example. Each 0.5% rate increase costs roughly 0.04–0.05 DSCR points on a deal with $2,800/mo rent.
How to use the rate scenario table
- Start with your actual deal numbers. Use the loan amount you plan to borrow, the actual current monthly rent (or market rent from a comparable), and your best estimate of tax and insurance.
- Identify the break-even rate. Find the lowest rate where your DSCR drops below 1.25, then below 1.00. These are your pricing inflection points.
- Check today's market rate. Is it above or below your 1.25 threshold rate? If above, consider whether you can bring the deal to 1.25 via more down payment, I/O structure, or lower purchase price.
- Build in a buffer. Rates between quote and close can move 0.125–0.25%. Run the scenario at today's market rate + 0.25% to see if your DSCR tier holds even in a modest rate rise.
Next steps
- Run the full DSCR Calculator with your specific deal to see PITIA breakdown.
- Use the Rent-to-PITIA Calculator to find the rent needed to hit 1.25 at any rate.
- Get matched with lenders to find the actual rate available on your deal today.