Investment Analysis

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.

Built and reviewed by Todd Hanley, RICP®·NMLS #1013665·Last reviewed October 2026·How it’s calculated

Property & Loan

Purchase Price $505,000

Down Payment 25%

Interest Rate 7.88%

Loan Type

Transaction Type

Credit Score (FICO) 720

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%

I agree to receive customer-care calls, texts, and emails from Todd Hanley Mortgage Team related to my inquiry, the link I requested, appointment confirmations, callback follow-ups, inquiry status updates, and document reminders. Consent is optional and not required to use this tool, schedule a consultation, or complete any form on this site. Message frequency varies. Msg/data rates may apply. Reply STOP to opt out, HELP for help. Privacy Policy | Terms | SMS Program Details

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%

Scenario Is Eligible Based on current DSCR lending criteria

This scenario meets available program requirements.

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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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 = Gross Monthly Rent / Monthly PITIA (principal, interest, property taxes, insurance and HOA dues). This is the residential DSCR convention most lenders use and the formula this calculator applies. Vacancy and management assumptions feed the cash-flow estimate, not the ratio. 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.

Todd Hanley, RICP® | Senior Loan Officer | NMLS #1013665 | Todd Hanley Mortgage Team powered by United Direct Lending | NMLS #1749719 | 5550 Glades Rd, Suite 500, Boca Raton, FL 33431 | Licensed in FL, TX, NJ | Equal Housing Opportunity | Not a commitment to lend. Not all will qualify.

Formulas this calculator uses

The exact math behind the results above, so you can check it.

Loan amount: Purchase price − down payment
Principal & interest: Standard amortizing payment over 30 or 40 years. Interest-only options use loan amount × rate ÷ 12.
Property tax / insurance: Purchase price × the annual percentage you enter ÷ 12
PITIA: Principal & interest + property tax + insurance + HOA dues
DSCR: Gross monthly rent ÷ monthly PITIA
Monthly cash flow: Rent after vacancy − PITIA − management fee
Cap rate: Net operating income ÷ purchase price. Net operating income = annual rent after vacancy − property tax, insurance, HOA dues and management fee (loan payments are not included).
Cash-on-cash return: Annual cash flow ÷ (down payment + 3% estimated closing costs + 6 months of PITIA in reserves)

Data and assumptions

Every number comes from what you enter. Nothing is pulled from your credit or a lender.
The starting interest rate is an example, not a quote. Actual DSCR pricing depends on credit, leverage, ratio and property type.
Closing costs (3%) and reserves (6 months) are planning assumptions. Lenders set their own reserve requirements.

Built and reviewed by Todd Hanley, RICP®, Senior Loan Officer, NMLS #1013665 (verify). United Direct Lending NMLS #1749719. Last reviewed October 2026.

Todd Hanley

DSCR Loans Let the Property Qualify — Not Your Tax Returns

Most investors leave money on the table because they don't know the property's rental income can qualify the loan — no W-2s, no tax returns, no DTI calculations. I structure DSCR loans for investors who want to scale their portfolio, close in an LLC, and keep their personal finances private.

— Todd Hanley, Senior Loan Officer | RICP

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