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.
This calculator shows your ratio. Our Program Match tools take the next step: they run your numbers against current investor loan guidelines and show which programs fit, your maximum loan-to-value, and exactly why a program doesn't match.
Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781. Results are estimates for illustration only, not a loan approval, commitment or offer. Program availability, guidelines and pricing vary and change without notice.