DSCR Deal Calculator

The Deal

Property value / purchase price

Loan amount

Interest rate (est.)

Term

yrs

Annual property taxes

Annual insurance

Monthly HOA / association dues

Gross monthly rent

The Numbers

—

DSCR ratio

Monthly P&I—

+ Taxes / mo—

+ Insurance / mo—

+ HOA / mo—

= PITIA (monthly)—

Loan-to-Value (LTV)—

Monthly cash flow—

Annual cash flow—

DSCR = Gross Monthly Rent ÷ PITIA · ≥1.25 strong · 1.00–1.24 standard · <1.00 no-ratio territory

Estimation tool only — the rate field is for math, not a rate quote. Figures illustrative; actual program guidelines, LTV caps, and pricing vary by lender and must be confirmed on the current matrix. Jermaine Fields · NMLS #2067609 · CA & MO · not a commitment to lend.