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DSCR Purchase Calculator

Test rent coverage against debt service to size a loan amount.

Investor-focused qualification based on property cash flow, not W-2 income.

NOI vs debtTarget DSCRMax loan suggestion

Calculator Inputs

Adjust the scenario to fit your deal.

$
%
%
years
%
$
$
$
x

Results

Monthly debt service

$2,207

P&I + taxes + insurance

Actual DSCR

0.86x

$1,900 NOI / debt service

Max loan @ target DSCR

$171,082

Target 1.20x

Income & expenses

Gross rent
$2,500
Operating expenses
$600
Net operating income
$1,900

Loan structure

Loan amount
$262,500
Down payment
$87,500
Estimated taxes
$306
1.05% of price
Estimated insurance
$110

Capacity check

Debt service coverage
0.86x
Max purchase (est.)
$228,110
Holds down payment % constant
Cash to close (est.)
$98,000
Down payment + 3% closing

DSCR uses P&I + taxes + insurance; lenders may include HOA or reserves.

⚠️ 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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