PITIA
Principal + Interest + Taxes + Insurance + Association dues (HOA). The full monthly housing payment used as the denominator in the DSCR ratio. PITIA differs from PITI by including HOA/condo fees.
Why it matters on a DSCR loan
PITIA is the denominator of your DSCR, so anything that moves it — a property tax reassessment after purchase, a rising insurance quote, or an HOA special assessment — directly moves whether the deal qualifies. The most common investor mistake is running DSCR with the seller's old tax bill instead of the post-sale reassessed amount, which can flip a passing ratio to a failing one at underwriting. Get real insurance quotes and verify HOA dues early, especially in condo and flood-prone markets.
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).