DSCR Loan Calculator

Estimate lender-style and investor-style DSCR, cash flow, and rent targets

$3,200
$0$50,000
$0
$0$10,000
5%
0%25%

Reduces eligible rent before DSCR is calculated

Monthly property costs

$350
$0$5,000
$150
$0$3,000
$0
$0$3,000

Loan details

$340,000
$10,000$5,000,000
7.250%
0.000%15.000%

Lender-style DSCR?

1.08

Eligible rent ÷ PITIA

Investor NOI DSCR?

1.03

Annual NOI ÷ annual debt service

Near break-even based on assumptions. This does not guarantee approval.

Principal & interest

$2,319.40

Estimated PITIA

$2,819.40

Operating expenses (excl. debt)

$650.00

Monthly cash flow

$70.60

Annual NOI

$28,680

Cap rate?

6.75%

Cash-on-cash return?

0.92%

Loan-to-value

80.0%

Rent-to-price (annual)

9.04%

Rent needed for target DSCR (gross, before vacancy)

1.00

$2,968

1.10

$3,265

1.15

$3,413

1.20

$3,561

1.25

$3,710

DSCR Calculator by National Mortgage Center. Illustrative estimate — lending guidelines vary. Not an approval.

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