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CALCULATORS

DSCR Calculator

Qualify a rental on its own cash flow instead of your tax returns.

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Cash Flow / mo

-$282

Cap Rate

5.62%

Loan Amount$375,000
Down Payment$125,000
Mortgage Payment / mo$2,622
Origination Fee$5,625
Total Closing Costs$13,625
Cash Needed to Close$138,625
Gross Rental Income / yr$38,400
Operating Expenses / yr$10,320
Net Operating Income / yr$28,080
DSCR0.89
Cash-on-Cash Return-2.44%

At 1.00 the rent covers the housing payment. Programme thresholds vary by lender — 1.20 is a common floor — and none of these figures is a quote.

What this calculation assumes

  • DSCR compares net operating income with annual debt service; programme thresholds vary by lender.
  • Operating expenses count taxes, insurance, HOA, a vacancy allowance, maintenance per unit and utilities you enter — nothing else.
  • The mortgage payment assumes a 30-year amortising loan at the rate you set; interest-only programmes price differently.
  • Cash-on-cash return counts the down payment, closing costs and origination fee as the cash in the deal.

Every rate, fee and premium on this page is illustrative and set by you, not quoted by us. Nothing here is an offer of credit or a commitment to lend.

Send these numbers to yourself

Every input you change is written into the address of this page, so the link you copy reopens the calculator exactly as you left it.

Demonstration site: submitting this sends nothing and stores nothing. You will get amailto: link to send it yourself.

What DSCR do lenders want?

Programme thresholds vary; 1.20 is a common floor and anything at or above 1.00 means the rent covers the housing payment. Below 1.00 the property is short and the file usually needs more down payment or a different structure.

More guides in the learning center

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Numbers are a starting point.

Bring yours to a loan officer and we will tell you which parts hold up and which ones move.

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