HOW MUCH RENT DO YOU NEED

Debt-Service (DSCR)
Calculator

Estimate debt-service coverage, monthly cash flow, and the loan amount a rental property may support using your own planning assumptions.

DSCR INVESTMENT PROPERTY PLANNER

Build Your Plan

01

PROPERTY & RENT

Rental Income Assumptions

$600,000
$100K$3M
$ /mo
%
%
% of rent
02

FINANCING

Loan & Housing Expense Assumptions

$
%
Quick Select
$ /yr
$ /yr
$ /mo
% of rent
$ /mo

The residential DSCR shown here is qualifying monthly rent divided by monthly PITIA. Vacancy, management, maintenance, and other operating expenses are shown separately in the cash-flow analysis.

ESTIMATED DEBT-SERVICE COVERAGE RATIO

0.00

Qualifying monthly rent divided by estimated monthly PITIA.

Current Scenario Target 1.25
Qualifying Monthly Rent$0
Principal & Interest$0
Taxes, Insurance & HOA$0
Total Monthly PITIA$0
Loan-to-Value 0.0%
Max Loan at Target $0
Additional Rent Needed $0/mo
Payment Capacity $0/mo

GOLDEN OAK INSIGHT

The modeled rent supports the selected DSCR target.

Target Supported

Actual lender calculations, minimum ratios, qualifying rent, pricing, reserves, and property eligibility vary by program.

ESTIMATED MONTHLY CASH FLOW

$0

Positive Cash Flow
Gross Scheduled Rent$0
Vacancy Allowance$0
Management$0
Maintenance Reserve$0
PITIA & Other Expenses$0

COMPARE DSCR TARGETS

See How the Target Changes Borrowing Capacity

Each option uses the same qualifying rent, planning rate, loan term, property taxes, insurance, and HOA assumptions.

1.00 DSCR

$0

Maximum PITIA$0/mo
Estimated LTV0.0%
Coverage LevelBreak-Even

1.10 DSCR

$0

Maximum PITIA$0/mo
Estimated LTV0.0%
Coverage LevelModerate

1.20 DSCR

$0

Maximum PITIA$0/mo
Estimated LTV0.0%
Coverage LevelStrong

1.25 DSCR

$0

Maximum PITIA$0/mo
Estimated LTV0.0%
Coverage LevelConservative

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A personalized review can account for qualifying rent, appraisal findings, property type, reserves, credit profile, prepayment terms, loan-to-value limits, and wholesale lender guidelines.

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This planner provides estimates for educational purposes only and does not constitute a loan offer, approval, rate quote, qualification determination, investment advice, or commitment to lend. DSCR methodology varies by lender and program. Some lenders may use market rent, lease rent, a percentage of rent, PITIA, interest-only payments, or other calculation methods. Actual loan amounts, ratios, rates, fees, reserves, prepayment terms, property eligibility, and underwriting requirements may vary.