Does This Property Cash Flow?
No W-2 needed. Just rent and numbers. Enter your rental income and loan details to calculate your Debt Service Coverage Ratio and find out instantly if this property qualifies for a DSCR loan.
Property Details
Monthly Gross Rent$2,400
$
Loan Details
Purchase Price / Loan Amount$320,000
$
Down Payment$64,000 (20%)
$
Interest Rate7.500%
%
Loan Term
Monthly Expenses (PITIA)
Property Tax (monthly)$320
$
Insurance (monthly)$120
$
HOA (monthly)$0
$
Your DSCR Ratio
1.24
Debt Service Coverage Ratio
✓ Qualifies
0.751.01.251.5+
$2,400Monthly rent
$1,938Total PITIA
$1,498P&I payment
$462Monthly cash flow
DSCR Qualification Guide
Below 1.0Does not qualify
1.0 – 1.19Limited options
1.20 – 1.24Most lenders OK
1.25+Strong — best rates
What is DSCR?
DSCR = Monthly Rent ÷ Total Monthly PITIA. A ratio above 1.0 means the property pays for itself. Most lenders require 1.20–1.25 minimum. No personal income docs needed.
CTA
CTA
Roxy Miles
NMLS#2464939
Complex income specialist.
Former financial advisor.
865.424.7997
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