Property and loan
Rental income and carrying costs
The loan amount and down payment stay in sync when you edit either one.
Estimate rental coverage, monthly cash flow, and the rent needed to reach your target ratio.
The loan amount and down payment stay in sync when you edit either one.
1.00 DSCR means gross rent equals the modeled housing payment. 1.25 DSCR means rent is 125% of that payment. For example, $5,000 in rent and $4,000 in PITIA produces a 1.25 ratio. The target is adjustable because program requirements differ.
For a 5–8 unit or mixed-use investment, underwriting may use a different income and expense method. Confirm the applicable program before relying on this simple gross-rent calculation.