DSCR calculator

DSCR loans qualify you on the property's rent instead of your income. Lenders divide rent by the full payment (PITIA) and usually want 1.0 to 1.25 or higher.

Property

Monthly rent ($) Purchase price ($) Down payment (%) Interest rate (%)DSCR loans usually price ~1 point above conventional. Property tax ($/yr) Insurance ($/yr) HOA ($/mo) Lender's minimum DSCR

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Monthly payment with taxes, insurance, HOA and PMI.

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How much house you can afford on your income.

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Cash flow, cap rate and cash-on-cash return.

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Cap rate, NOI and value at a target cap rate.