LTV / DTI / DSCR

Three independent ratios; use the same currency within each pair. LTV = loan amount / entered property value × 100. For example, 80 / 100 = 80%. Values over 100% are valid. This is the ratio to your entered value, not an appraisal or a jurisdiction-specific lending valuation.

DTI = all monthly debt payments / gross monthly income × 100. Enter required monthly payments, not outstanding balances, and include proposed borrowing if you want the resulting total burden. Do not mix annual income with monthly payments or use take-home income. For example, 1000 / 4000 = 25%. Definitions of qualifying income and debt depend on the lender.

DSCR = annual net operating income (NOI) / annual debt service. Here NOI is property operating income after operating expenses, before interest, principal, depreciation and income tax. Debt service includes principal and interest for the same year. For example, 120 / 100 = 1.2×: operating income is 1.2 times debt service. Below 1× means income does not fully cover it; negative NOI gives a negative ratio. This simple NOI-based ratio may differ from lender definitions using adjusted cash flow or reserves.

There are no universal approval bands or green/red lending decisions. These ratios do not predict approval, affordability or risk. Each section updates independently. Numerators may be zero; only NOI may be negative. Denominators must be positive; zero gives a field error rather than a made-up 0 or infinite ratio. Invalid text, non-finite inputs, nonzero literal underflow and nonrepresentable results are rejected. Display rounded to two decimals, tiny/large values scientifically; no arbitrary currency cap.

CFPB: LTV · CFPB: DTI · J.P. Morgan: DSCR

All six raw inputs remain on this browser, including empty or invalid values. Reset all restores the three examples. Each ratio is recalculated independently; results are never saved.