Educational investor tool

Estimate a property's DSCR.

Compare vacancy-adjusted rental income with the debt service and recurring property obligations you enter. The result does not determine eligibility.

Calculate an estimated ratio

Effective annual income ÷ annual obligations

Gross monthly rent

Estimated vacancy (%)

Monthly principal and interest payment

Annual property taxes

Annual insurance

Monthly HOA dues

Other annual obligations

Anticipated loan amount

Educational DSCR

1.15

The entered income covers obligations with a limited cushion.

Effective annual income: $39,900
Annual obligations: $34,800
Annual surplus or shortfall: $5,100

Educational result only. Each lender may calculate income, vacancy, expenses, reserves, and debt service differently. This is not a quote, approval, or Mayday eligibility threshold.

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1. Income

The tool reduces gross rent by the vacancy percentage you enter.

2. Obligations

It adds debt service, taxes, insurance, HOA dues, and other entered obligations.

3. Ratio

It divides effective income by obligations. Lenders may use different methods.