Planning tool
Florida DSCR Calculator
DSCR is monthly rent divided by the full monthly payment. This calculator breaks out the Florida lines that move it most: taxes at your price, wind and flood insurance, and condo or HOA dues and assessments. Enter a rate from your own quote; we do not supply one.
Your DSCR
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Enter rent, loan amount, a rate and a term to see the ratio.
- Principal + interest
- $0
- Taxes (monthly)
- $0
- Hazard + wind (monthly)
- $0
- Flood (monthly)
- $0
- Dues + assessments
- $0
- Full monthly payment (PITIA)
- $0
- Rent needed for a 1.00 ratio
- $0
- Rent needed for a 1.25 ratio
- $0
A planning estimate, not a quote or a commitment to lend. Lenders calculate DSCR their own way and may use appraised market rent instead of your lease.
Send this scenarioHow to read your result
Below 1.00, the rent does not cover the payment. Around 1.00 to 1.15, it covers it with a thin cushion, which in Florida can disappear at the next insurance renewal. Above that, most programs have room to work, and stronger ratios tend to open more options. Each program sets its own minimum, and some accept lower ratios with more equity.
Florida inputs people get wrong
- Taxes: using the seller’s bill instead of an estimate at your price. See Florida rental property taxes.
- Insurance: guessing instead of getting a written quote with wind and any required flood. See Florida insurance and DSCR.
- Dues: using last year’s condo dues instead of the current budget and assessments. See condo milestone inspections.
Next steps
If the ratio works, send the scenario. If it is tight, read what sets a Florida DSCR down payment or explore Florida DSCR loan options.
Run the numbers, then send us the property.
Business-purpose, non-owner-occupied Florida rentals only. We are a mortgage broker, so we compare wholesale programs for your file rather than lending our own money.