DSCR Calculator:
see if rent
covers the loan.
Enter price, rent, rate, taxes and insurance. Get your DSCR (whether the property's rent can cover the loan payment — 1.00 = rent exactly covers it; higher is stronger) and full PITIA breakdown instantly. No black box.
Price the deal in real time.
TX · $425,000 · 25% down · $3,000/mo rent · 7.000% — autosaved to this link.
Estimates are fine — adjust any number and results update instantly.
Estimated at the purchase-year reset — 1.63% of price in TX, not the seller's current bill. Tap Manual to override.
The full monthly payment — principal, interest, taxes, insurance, and any HOA dues. DSCR = monthly rent ÷ this total.
Indicative rate offsets from today's note rate. Best-tier pricing requires DSCR ≥ 1.25 and FICO ≥ 740.
Meets the 1.00 floor. Verify lender minimums and compensating factors.
Rate headroom before DSCR breaks 1.00x — the deal holds until the rate reaches ~7.62%. That's the number that governs this file, not the rate on the sheet.
This clears the lender at 1.05x, but after typical vacancy, management, and maintenance it nets 0.75x — below 1.00. The lender approves; the deal still loses money each month. Pressure-test it in the Stress Matrix →
Each option is calculated from this scenario. Applying one updates the calculator inputs and reruns the model.
P&I $2,471/mo · 0.93x after recast
Uses the current balance and rate. IO assumes 10 years without principal reduction, then a 20-year recast at the same rate; actual product terms, pricing, and underwriting can differ.
These are scenario changes, not lender terms or approval outcomes. Confirm rent, pricing, and financing assumptions before acting.
Most DSCR shops quote a rate. A cost-segregation study reclassifies ~25% of the building into 5/7/15-year property that takes 100% bonus depreciation under OBBBA — roughly $85,000 of first-year deductions on this deal. After-tax return is where serious investors actually decide.
See your after-tax IRR →Modeled from your numbers — actual depreciation depends on your basis, income, and a cost-seg study; recapture (§1250, up to 25%) and NIIT apply at sale. Confirm with a CPA.
TX is a high-risk insurance market. Get a bindable quote before you commit to this deal — an unconfirmed premium here is a stop, not a footnote. It's the other silent DSCR killer, and the number above assumes coverage you can actually buy.
Returns use Track-2 opex (vacancy/mgmt/maint). Cash in ≈ $106,250. Break-even occupancy ~111%. Open full returns desk →
How much each change shifts your DSCR — green improves it, red hurts it.
Underwrite Every Property Class
From single-family rentals to commercial multi-family and vacation Airbnbs, select a property type below to explore guidelines.
Single Family Residential
The core DSCR benchmark. Qualify strictly on appraised market rent or signed lease agreement with zero tax return requirements.
80% LTV·0.75x Min DSCR- ✓ Form 1007 Market Rent
- ✓ Up to $3.5M Loan Amount
- ✓ Individual or LLC Vesting
2-4 Unit Multi-Family
Two to four units under one roof means two to four rent checks against a single mortgage payment — which is why small multi-family files often carry more coverage than one house at the same price. Vacant units count at the appraiser's market rent.
75% LTV·1.00x Min DSCR- ✓ Aggregate Unit Income
- ✓ Stronger Cash-on-Cash
- ✓ 30-Yr Fixed & ARMs
5+ Unit Multi-Family
Institutional commercial underwriting for 5–36 unit residential buildings using gross operating NOI and debt yield metrics.
75% LTV·1.15x Min DSCR- ✓ Commercial Debt Yield
- ✓ Interest-Only Options
- ✓ Non-Recourse Available
Condos & High-Rises
Flexible guidelines covering high-density urban condo units, single-entity concentration issues, and HOA litigation exceptions.
75% LTV·1.00x Min DSCR- ✓ Non-Warrantable OK
- ✓ Single-Entity Cap Waiver
- ✓ Condotel Terms Available
Short-Term Rentals
Qualify on projected STR gross revenue from AirDNA or Rabbu, or 100% of 12-month platform actual history across vacation markets.
75% LTV·1.00x Min DSCR- ✓ AirDNA 20% Haircut
- ✓ Documented 12-Mo Actuals
- ✓ Seasonality Gap Protection
Commercial & Mixed-Use
Finance mixed-use urban properties featuring street-level retail or boutique office space with apartments above.
70% LTV·1.20x Min DSCR- ✓ 51%+ Residential Preference
- ✓ Commercial Lease Credit
- ✓ LLC Entity Vesting