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What is PITIA?
Last updated: June 24, 2025
In the world of real estate investing, mastering financial concepts is crucial for success. For landlords and real estate investors, one of the most important calculations to understand is the Debt Service Coverage Ratio (DSCR), a key metric lenders use to evaluate the profitability and viability of a rental property loan.
A core component of the DSCR calculation is PITIA, which stands for Principal, Interest, Taxes, Insurance, and Association dues (if applicable). Often referred to as the “mortgage payment” or “debt service,” PITIA represents the total monthly payment obligation associated with a rental property loan.
In this comprehensive guide, we’ll break down the components of PITIA, explain its critical role in calculating DSCR, and explore how DSCR loans for 1-4 unit residential rental properties are typically structured. We’ll also discuss why taxes and insurance—two key elements of PITIA—can influence your DSCR loan even after funding.
