Rental feasibility calculator
DSCR calculator for rental investors
Model a rental property's cash-flow coverage before sending the real scenario for loan officer review. This is a planning tool, not an offer, approval, or commitment.
Start with rent and recurring income assumptions.
Laundry, parking, pet rent, or other recurring income.
Use realistic operating assumptions. Lender underwriting may use different expense treatment.
Estimate debt service using a simple amortizing payment model.
What this means
Turn the numbers into a cleaner next step
DSCR is sensitive to taxes, insurance, vacancy, management, and amortization assumptions.
Short-term rental income may require stronger documentation and different stress assumptions.
Submit the property address, rent support, value, and requested structure for a real review.
DSCR compares rental income available for debt service against the projected loan payment. A higher ratio usually gives the file more cushion, but rent support, value, property type, leverage, borrower profile, and market conditions still control final review.
This calculator is provided for informational purposes only and does not constitute a loan offer, commitment to lend, or approval. Results are estimates based on user-provided inputs and simplified assumptions.
No. The calculator only models feasibility using your inputs and simplified assumptions.
Many investors look for coverage above 1.20x or 1.25x, but actual review depends on the full file and program availability.
Yes, but income support, market data, and underwriting treatment may differ from long-term rental scenarios.
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