Portfolio DSCR
Calculator
Blended DSCR across the portfolio, and how much more you can borrow
Portfolio and blanket underwriting: combined rents over combined PITIA, the pro forma ratio with a prospective new loan, and the maximum additional borrowing your portfolio supports at the lender’s required DSCR.
See It In Action
Play with the calculator below. This is exactly what your visitors will see.
Portfolio DSCR Calculator
Blended DSCR across your rental portfolio and how much more you can borrow
Portfolio DSCR (Pro Forma)
1.4
Portfolio Qualification
Portfolio supports the new debt
Max additional loan at required DSCR: $200,225
Portfolio Detail
Current DSCR
1.4
Current PITIA
$8,600
New Loan Payment
$0
Max Additional Loan
$200,225
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How It Works
Get your results in four simple steps
Enter the scenario
Fill in 11 plain-English inputs across 3 short sections. Sensible defaults get you a result immediately.
Read the verdict
Results update instantly: the headline figure, supporting stats, and clear pass/fail states where qualification applies.
Share or download
Send a live share link or download a branded PDF scenario report to keep the conversation going.
Why This Calculator
Purpose-built features that give you the insights you actually need.
Current Portfolio (Totals)
Combined monthly figures across all properties
New Loan (Optional)
A loan you are considering adding
Lender Requirement
The ratio to underwrite against
How the Portfolio DSCR math works
Blended DSCR across your rental portfolio and how much more you can borrow
Industry Standards We Follow
- DSCR = gross rents / PITIA, blended across properties
- Max-loan inversion at the required ratio
Key Variables in Our Calculation
- currentPITIACurrent portfolio PITIA
- currentDSCRBlended DSCR today
- newMonthlyRateNew loan monthly rate
- newTermMonthsNew loan months
- newLoanPaymentP&I on the prospective loan (0 when amount is 0)
- proFormaPITIAPITIA with the new loan
- proFormaRentRent with the new property
- proFormaDSCRBlended DSCR after the new loan
Expert Insights
Get the most out of your calculations with these professional tips
Start from the defaults
Defaults reflect current market conditions; change only what you know about your scenario.
Stress-test the result
Nudge the most uncertain input both directions to see how sturdy the conclusion is.
Put it on your site
Embed this investment calculator with your branding and capture the leads it generates.
Frequently Asked Questions
Everything you need to know about the Portfolio DSCR Calculator
Most blanket and portfolio programs want 1.15-1.25 blended. The calculator shows a clear pass/fail against the ratio you set and the maximum additional loan that keeps you compliant.
It is the same ratio computed across everything at once: total rents divided by total principal, interest, taxes, insurance, and HOA. Strong properties can carry weaker ones.
Who Uses This Calculator
Portfolio Investors
Check your blended ratio before approaching a blanket lender.
DSCR Lenders
Pre-qualify portfolio borrowers on your own site.
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