Long-term rental DSCR check

DSCR Calculator

A fast, clear way to check rental cash flow.

Use a lender-style DSCR calculator for long-term rentals. Start simple, add assumptions only if you need them, and apply when the numbers support the loan.

  • Clear math, no black box
  • Use your actual payment or estimate one
  • Easy handoff into the application when ready

Quick view

What this calculator helps you answer

  • Does the current rent support the payment?
  • How much do simple reserves change the coverage ratio?
  • What rent would the property need to reach 1.00x or 1.25x?

This is a planning tool for long-term rental properties. Final terms still depend on the property, borrower, and loan request.

Need help?What is DSCR?Ready to apply?

Add rent and payment to see the ratio.

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PurchaseThe result card updates as soon as the core numbers are entered. Advanced assumptions are optional.
DSCR coverage calculator

Start with rent and payment. Open assumptions only when you want a more conservative view.

Payment input

Use the monthly payment, or estimate it from the loan terms.

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Use the stabilized monthly rent you expect the property to support.

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Enter principal, interest, taxes, insurance, HOA, and any other monthly costs you want this check to reflect.

Advanced assumptions

Optional reserves and property expenses for a more conservative view.

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Adjusted monthly income—
Monthly debt service—
Target rent for 1.00x—
Target rent for 1.25x—
Gross monthly rent—
Total reserves$0
Adjusted monthly income—

Planning tool only. Final underwriting can change with lease quality, taxes, insurance, reserves, interest-only periods, and borrower profile.

Need help?What is DSCR?Continue to application
What this calculator can and cannot tell you

Want us to review your rental property?

Run the quick check here, then apply when you want a real loan review.

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