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DSCR Cash-Out Refinance

Estimate new payment, DSCR, and available cash-out using max LTV.

Pull equity while keeping coverage ratios in lender-friendly ranges.

Cash-out amountCoverage ratioEquity remaining

Calculator Inputs

Adjust the scenario to fit your deal.

$
$
%
%
years
%
$
$
$
x

Results

Cash-out available

$57,500

75.00% max LTV

New DSCR

0.73x

$2,100 NOI / debt service

Equity remaining

$112,500

New LTV: 75.0%

Loan snapshot

New loan amount
$337,500
Monthly P&I
$2,360
Taxes + insurance
$514
Debt service total
$2,874

Income & coverage

Gross rent
$2,800
Operating expenses
$700
Net operating income
$2,100
Coverage target
1.20x

Equity picture

Current value
$450,000
Existing balance
$280,000
Cash-out proceeds
$57,500
Equity remaining
$112,500

Lenders may haircut rent or add reserves when calculating DSCR; adjust inputs to reflect that.

⚠️ Important Disclaimer

This is a self-generated calculator result and provides estimates only. Results may vary based on individual circumstances, market conditions, and lender requirements. For accurate financial advice and loan qualification, please consult with a licensed real estate agent or mortgage professional.

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