Plan with clarity
See how rental income compares with a property’s monthly housing payment. Adjust the loan, expenses and target coverage ratio to explore an investment scenario.
Starting values are examples, not current rates or lending terms.
No sign-up required. Calculations run in your browser. Saved scenarios last only while this page stays open.
Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
Start with eligible rental income and the proposed loan terms. Add property taxes, insurance and association dues even if they are paid separately from the mortgage. The calculator shows estimated coverage, rent needed at your target and a loan amount supported by that ratio alone.
A 1.00x ratio means modeled rent equals the modeled housing payment. A higher ratio creates more coverage, but it does not measure your complete investment return. Vacancy, repairs, management, utilities and capital expenditures can reduce actual cash flow. Compare these costs in a separate property budget.
This tool uses the rent-to-housing-payment method often considered for residential investment property. For apartment buildings with five or more units or other commercial assets, use annual net operating income and annual debt service in the commercial mortgage calculator. Ask which rent and payment definitions apply to the lender reviewing your transaction.
Rental DSCR = eligible monthly rent ÷ monthly principal and interest (or interest only), taxes, insurance and association dues.
A simple example. If eligible rent is $3,600 and the modeled housing payment is $3,000, DSCR is 1.20x. That ratio alone does not establish qualification.
Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Schedule a consultationThere is no universal approval threshold. The required ratio and treatment of rent depend on the lender, program, property and borrower. Enter a target for planning, then confirm how the lender calculates coverage.
Yes. Select interest only to use loan amount multiplied by annual rate, divided by 12. The estimate covers that payment structure only and does not model a later amortizing payment or rate adjustment.
You can enter a monthly rent assumption, but vacation-rental income may require a different review from long-term lease income. Seasonal revenue, occupancy and permitted rental use need separate consideration.
No. It is a mathematical estimate based on your target ratio. LTV, credit, reserves, rent eligibility, property requirements and lender review can reduce or otherwise change the available financing.
Dive into the world of DSCR loans explained and gain valuable insights on how this powerful tool can help you achieve your financial goals. Read on for more!
Read guide
Secure your DSCR loan! Discover eligibility, key requirements, how it differs from traditional loans, and get expert guidance to fast-track approval.
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