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.
Start with rent and payment. Open assumptions only when you want a more conservative view.
Use the monthly payment, or estimate it from the loan terms.
Use the stabilized monthly rent you expect the property to support.
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.
Advanced assumptions
Optional reserves and property expenses for a more conservative view.
Quick view
What this calculator helps you answer
- 01Does the current rent support the payment?
- 02How much do simple reserves change the coverage ratio?
- 03What 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.
Calculator FAQ
What this calculator can and cannot tell you
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