Specialty Financing

DSCR Investment Property Calculator

See how a rental's income covers its monthly housing debt — the core of a DSCR loan scenario.

Purchase price

Down payment

Loan $600,000

Interest rate

Enter a rate you've been quoted

Payment type

Monthly rental income

Lenders may use lease or appraiser market rent

Property taxes

$/yr

Insurance

$/yr

HOA dues

$/mo

Minimum DSCR benchmark

Your target — varies by lender

Vacancy allowance

% of rent

Other operating costs

$/mo

Repairs, management, utilities

Estimated DSCR

1.01x

At or above your 1.00x benchmark

Monthly rent$5,200

Monthly PITIA$5,145.29

Operating costs$510.00

Principal & interest$4,195.29

Taxes + insurance + HOA$950.00

PITIA$5,145.29

Estimated monthly cash flow−$455.29

DSCR = monthly rental income ÷ monthly PITIA. Cash flow also subtracts your vacancy and operating cost assumptions.

Lender guidelines vary. Lenders may use different qualifying rent, PITIA components, reserve requirements and DSCR minimums. This is not a prequalification, approval or determination of eligibility.

Educational estimate only. Results are not a Loan Estimate, rate lock, rate commitment, or guarantee of loan approval. Actual rates, payments, taxes, insurance, and program eligibility vary and are subject to underwriting. Contact Marc Chamberlain for a personalized quote.

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