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Florida DSCR Calculator

The Debt Service Coverage Ratio measures whether a property's income can cover its loan payments. Pre-filled with Florida market data. Net Operating Income ÷ Annual Debt Service. Lenders use DSCR to qualify investor loans — most require 1.15–1.25 minimum.

Browse calculators by state

Rental Income

Effective Gross Income$21,227/yr

Operating Expenses(Florida defaults)

Total Expenses$10,759/yr

Loan Details

Monthly Payment (P&I)$2,321

Florida Market Context

Avg Cap Rate

5.5%

Median Price

$415K

Property Tax

0.8%

Vacancy Rate

6.9%

Local Factors

  • -No state income tax, no capital gains tax, no estate tax — rental income taxed at federal level only
  • -Homestead exemption ~$51K (owner-occupied only, does NOT apply to investment properties)
  • -Investment properties capped at 10% annual assessed value increase (vs 3% for homestead)
  • -Hurricane impact windows/shutters required in High-Velocity Hurricane Zones (Miami-Dade, Broward) — $8K–$25K installed, but can reduce insurance 15–45%
  • -Flood insurance required in FEMA Special Flood Hazard Areas (avg $878/yr, high-risk zones $2,200+)
  • -Landlord/dwelling insurance avg ~$3,815/yr — roughly 2x the national average
  • -Vacancy rates rising statewide (6.9%, up from 5.8%) — supply glut in some metros (Tampa 10.3%)
  • -No rent control statewide — landlords can set market rates

Sources

Tax Foundation — FL Effective Property Tax Rate 2025Insurify — FL Landlord Insurance 2025Florida Realtors — 2025 Year-End Housing DataFLA Landlord — FL Rental Market & Vacancy 2026Largo Capital — FL Cap Rates Q2 2025FEMA — Flood Insurance Risk Rating

DSCR

0.38x

Negative Cash Flow
Net Operating Income$10,468/yr
Annual Debt Service$27,857/yr
Monthly Cash Flow$-1,449
Annual Cash Flow$-17,389
DSCR0.38x
Cash Flow$0
Debt Service$27,857
Property Tax$3,320
Insurance$3,815
Maintenance$1,800
Management$1,824
Vacancy$1,573

What does this mean?

A DSCR below 1.0 means the property doesn't generate enough income to cover its debt payments. The investor must cover the shortfall out of pocket. Most lenders won't fund this deal.

Why DSCR matters

DSCR loans let investors qualify based on the property's income — not personal W-2s or tax returns. The ratio tells lenders whether the rental income can cover the mortgage. A higher DSCR means lower risk and often better rates.

Keep running the numbers

One calculator rarely tells the whole story.

DSCR tells you if the Florida property pays for itself. Now look at the full picture.

Cash on Cash Return

Measure the annual return on your actual cash invested, factoring in financing, expenses, and rental income.

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Mortgage

Calculate your monthly mortgage payment, total interest, and see a full cost breakdown.

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NOI

Calculate Net Operating Income — the foundation of commercial real estate valuation.

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