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Rental coverage

How does the rent compare with the property’s monthly payment? Enter your own numbers to explore a residential rental DSCR estimate.

Your numbers. Your pace.Nothing you enter is sent or saved.

Read the rental math.

Rent against the property’s monthly payment.

The amount you plan to borrow, after any down payment.
Use the note interest rate, not the fee-inclusive APR. Nothing is filled in for you.
Loan term
Enter the rent you want to model. A lender may use lease rent, market rent, or another method under its guidelines.
Complete the payment.

Blank costs count as zero. Include all applicable taxes, property insurance, and association dues for a useful estimate.

Explore your own assumptions
Work backward to the rent needed for a ratio you choose. No lender threshold is assumed.
A separate planning comparison that reduces rent by your vacancy assumption. It does not change the base DSCR calculation.

Rental coverage

For illustration only

Start with the property.

Enter a loan balance, your quoted rate, and monthly rent. Your estimate will update here as you type.

This models a fully amortizing, fixed-rate loan using gross qualifying rent divided by PITIA. It does not model an interest-only payment or a balloon.

Lenders differ in the rent they accept, the costs they include, and the ratios they require. This estimate does not determine eligibility or replace underwriting.

Read about DSCR lending

For illustration only, not an offer of terms. Not a commitment to lend. Estimates are rounded for display. Nothing you enter is sent or saved.