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MODEL YOUR INVESTMENT

DSCR & Rental Property Calculator

Compare monthly rent with estimated PITIA and see a simplified debt service coverage ratio.

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Rental property snapshot

Compare monthly rent with estimated principal, interest, taxes, insurance, and HOA dues.

YOUR ESTIMATE

1.11DSCR

Monthly rent ÷ estimated PITIA

Monthly Rent$3,200
Estimated monthly PITIA$2,875
Rent less PITIA$325
Loan amount$360,000
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Illustration only, rounded to the nearest dollar. This is not a rate quote, preapproval, credit decision, or commitment to lend. Actual rates, fees, terms, taxes, insurance, and qualification vary. DSCR uses 100% of entered rent divided by principal, interest, taxes, insurance, and HOA dues. It excludes vacancy, operating expenses, and mortgage insurance. Lender calculations may differ.

HOW TO USE IT

Understand the estimate.

Run an initial rental-property scenario using purchase price, financing terms, and expected monthly rent. This simplified model uses 100% of entered rent and does not deduct vacancy or operating expenses. Lenders may use different qualifying-rent and DSCR rules.

  1. Enter the purchase price, down payment, rate, and loan term.
  2. Enter the property's expected monthly rent.
  3. Include property tax, insurance, and HOA dues in estimated PITIA.
  4. Divide full monthly rent by estimated PITIA, then review the lender's actual calculation.
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COMMON QUESTIONS

Answers before you decide.

What does a 1.20 DSCR mean?

In this simplified model, monthly rent is 1.20 times estimated PITIA: principal, interest, taxes, insurance, and HOA dues. Lender calculations can differ.

Does a positive rent-to-payment difference guarantee approval?

No. This estimate excludes vacancy and operating expenses. Credit, equity, reserves, property type, rent documentation, and lender rules also matter.

RELEVANT LOAN OPTIONS

Explore what the numbers could support.

01

DSCR Investor Loans

Financing that considers eligible property cash flow rather than relying only on personal income.

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02

Non-QM Loans

Alternative documentation for investors, entrepreneurs, and borrowers with unique income or assets.

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03

Bridge Loans

Explore short-term financing when timing is the challenge between a purchase and a sale.

Explore program
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YOUR NEXT MOVE STARTS HERE

Turn the estimate into a real financing plan.

Share your scenario with Neev to review current programs, actual costs, and the next step that fits your goals.

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