The ratio of a property’s net operating income to its total debt service (mortgage payment including taxes, insurance, and HOA). A DSCR of 1.0 means the property’s income exactly covers the mortgage. Lenders typically require a minimum DSCR of 0.75 to 1.25 for investment property loans.
Definition reviewed by Renzo Johnson, Licensed MLO, NMLS #PENDING. Last updated February 2026.