What Is PITIA?

See which monthly housing expenses are included in PITIA and why the total matters for a DSCR loan.

Immediate answer

PITIA is the combined monthly total of principal, interest, property taxes, insurance, and applicable association dues.

Why PITIA Matters

DSCR compares qualifying monthly rent with PITIA. Underestimating taxes, insurance, or HOA dues can make an early DSCR estimate look stronger than the underwritten result.

Numbers to Confirm Early

Loan amount and estimated principal and interest
Current or reassessed property taxes
Hazard and flood insurance where applicable
HOA or condo association dues