DSCR Investment Property Calculator

DSCR Investment Property Analysis

Evaluate rental property performance using income coverage, leverage, and cash flow metrics.

Includes DSCR • Cash Flow • Cap Rate • Cash-on-Cash Analysis

Built for investors and agents reviewing non-owner-occupied financing scenarios.

Analysis reflects common DSCR lending criteria used across multiple programs.

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Property & Loan

Purchase Price $505,000

Down Payment 25%

Interest Rate 7.88%

Loan Type

Transaction Type

Credit Score (FICO) 720

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Income & Expenses

Monthly Rent $3,200

Property Tax Rate 1.10%

Insurance Rate ⓘ 1.50%

HOA / Condo Fees $0

Vacancy Rate 8%

Property Management 10%

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Results = Estimates (Not an Offer) DSCR ratios, payments, and cash flow projections shown are estimates for educational purposes only and are not a loan approval, commitment, or rate lock. DSCR loan terms vary by investor, property type, credit score, and LTV. Actual rates, fees, and qualifying ratios may differ from estimates shown. Rental income, vacancy, and expense assumptions are user-provided and should be validated with market data.

📊 Analysis Live

Debt Service Coverage Ratio

1.24

0.75 1.00 1.25 1.50

Monthly Cash Flow

$412

Cash-on-Cash

8.2%

Cap Rate

6.8%

LTV

75%

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Scenario Is Eligible Based on current DSCR lending criteria

This scenario meets available program requirements.

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Based on the current inputs, this scenario produces positive cash flow with a DSCR above 1.0, indicating the property's rental income covers the debt service obligation.

Monthly Breakdown

Gross Rent $3,200

PITIA Payment $2,583

Net Cash Flow $412

Estimated Cash to Close

Down Payment $112,500

Closing Costs (~3%) $13,500

Est. Reserves (6 mo) $15,498

Total Cash Needed $141,498

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Street Address *

Apt/Unit #

City *

State *

Zip *

Email Address *

First Name (Optional)

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🔎 How This Calculator Works & Key Assumptions

This calculator provides estimates for educational purposes only. It is not a loan application, pre-approval, commitment to lend, or rate lock.

DSCR = Net Operating Income / Annual Debt Service. Most DSCR lenders require a minimum ratio of 1.00x to 1.25x depending on investor and property type.
Rental income should reflect actual or projected market rent, ideally supported by a rent survey or appraisal.
Vacancy and expense assumptions are user-adjustable — lenders typically use 5-10% vacancy and verify expenses against comparable properties.
DSCR loans do not require personal income verification — qualification is based on property cash flow, credit score, and LTV.
Rates and terms vary significantly by investor, credit tier, property type (1-4 unit, 5+ unit, short-term rental), and leverage.

If the numbers don't work for this property, we'll tell you that too. We help investors make data-driven decisions.

DSCR Investment Property Analysis

Property & Loan

Income & Expenses

📊 Analysis Live

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🔎 How This Calculator Works & Key Assumptions

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