DSCR loan calculator

Does the rent cover the payment?

Enter the rent and property costs. See your payment, net cash flow, and rental coverage.

Your numbers

Updates as you type

Monthly rent

Full monthly housing payment (PITIA)

Include principal, interest, property taxes, insurance and HOA dues. Use the full calculator to estimate a mortgage, cash to close and operating expenses.

YOUR RENTAL COVERAGE (DSCR)1.20x

Rent covers the housing payment

A 1.20x ratio means $2,400 in rent for $2,000 in monthly housing costs.

What this means: At 1.20x, rent is 20% above the modeled housing payment. This clears a 1.20x coverage benchmark. Eligibility, credit, reserves and property details still require lender review.

COVERAGE ONLY

Monthly housing payment$2,000P&I + taxes + insurance + HOA

Rent less housing costs$400Before expenses and reserves

What rent would you need?

At this payment, before operating expenses.

1.00x coverage$2,000 / mo

1.10x coverage$2,200 / mo

1.25x coverage$2,500 / mo

Lender guidelines not verified. These are planning calculations, not eligibility decisions. Foreign-national and experience caps are illustrative until confirmed against the selected lender’s current matrix.

Full breakdown & assumptions

Rental DSCR1.20xRent ÷ full housing payment

Monthly housing payment$2,000P&I + taxes + insurance + HOA

Rent less housing costs$400Before operating expenses and reserves

U.S. borrower · Not specified

Profile caps are illustrative, not verified lender guidelines. The tighter of entered and profile limits applies.

Coverage check only. Loan amount, cash to close, operating expenses and eligibility are not modeled.

Compare up to 3 properties

Snapshots stay on this browser. Compare the same calculator and assumptions for a fair comparison.

Scenario name

Text Alexa your numbers: 509-531-1506

Have Alexa review my scenario

Email my analysis

Estimates only. Results are not a quote, approval or commitment to lend. Rates, eligibility and lender requirements vary.

DSCR loan calculator: common questions

How do I calculate DSCR for a rental property?

Divide qualifying monthly rent by the full monthly housing payment: principal, interest, taxes, insurance and association dues. $2,400 rent divided by a $2,000 payment is 1.20x. This residential rental calculator models payment coverage; the lender determines which rent and qualifying payment to use.

Can I compare interest-only DSCR loan payments?

Yes. Select interest-only to estimate current interest payments and the principal-and-interest payment after the I/O period. This assumes the same rate and unchanged balance. Some lenders qualify using an amortizing or stressed payment, so a lower initial payment does not establish eligibility.

How is rental cash flow different from DSCR?

Rental DSCR compares rent with the housing payment. Net cash flow also subtracts your vacancy allowance, management, maintenance, replacement reserves, owner-paid utilities and other entered costs. Blank or unentered expense assumptions remain $0; income taxes are excluded.

Prepared by Alexandra Kemp, MBA · NMLS #1990457. Ask Alexa to review your scenario. Estimates only; all financing is subject to credit, underwriting, property eligibility and applicable lender requirements.

THE PERSON BEHIND THE NUMBERS

Meet Alexa Kemp, MBA

I help investors compare financing for rental properties, renovations and ground-up construction. Have a deal that needs a closer look? Let’s talk through the numbers.

Alexandra Kemp · NMLS #1990457

Email Alexa Instagram · @alexafundsit TikTok · @alexafundsit