Rental Property Analysis

Simple inputs first. Open Advanced to add operating expenses, vacancy, and equity details.

$425,000
$0$5,000,000
$3,200
$0$50,000
20%
0%90%
7.250%
0.000%15.000%
$350
$0$5,000
$150
$0$3,000

Simple mode uses a 5% vacancy allowance and a $150 maintenance estimate. Adjust both in Advanced.

Financing profile

Break-Even Coverage

Educational analysis — not an approval.

1.08DSCR

Break-Even Coverage

Illustrative financing profile — not an approval.

Lender-style DSCR?

1.08

Eligible rent ÷ PITIA

Investor NOI DSCR?

1.03

Annual NOI ÷ annual debt service

Illustrative coverage is near break-even. Equity, reserves, and credit may matter more.

LTV

80.0%

Estimated monthly investor cash flow?

$70.60

Lender coverage surplus?

$220.60

Principal & interest

$2,319.40

Estimated PITIA

$2,819.40

Operating expenses (excl. debt)

$650.00

Annual NOI

$28,680

Cap rate?

6.75%

Cash-on-cash return?

0.92%

Break-even rent

$2,968

Rent-to-price (annual)

9.04%

Why are these numbers different?

Lender coverage surplus is eligible rent minus PITIA (the lender-style debt obligation). Estimated investor cash flow subtracts additional operating expenses such as management and maintenance, then principal and interest. Lender DSCR methodology and investor-return methodology are different — they are not interchangeable.

See full methodology for lender DSCR, investor cash flow, cap rate, and cash-on-cash formulas. How this is calculated

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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