Rental property planning

DSCR & rental cash flow calculator

See whether a rental’s estimated income covers its housing payment, then check what you might keep after operating costs. Compare two scenarios using your own assumptions.

Scenario inputs

Use a fully amortizing, fixed-rate scenario. Blank cost fields count as zero. Add estimates for costs that apply to the property.

Loan and rent

Purchase price or property value ($)

Down payment or equity (%)

Annual interest rate (%)

Loan term (years)

Qualifying monthly rent ($) Rent you expect the lender to use.

Your DSCR target (×) Editable planning target.

Housing costs

Annual property tax ($)

Annual property insurance ($)

Monthly association dues ($)

Vacancy and operating costs Optional

Add operating costs for a more realistic cash flow estimate.

Expected monthly rent ($) Leave blank to use the qualifying rent above.

Vacancy allowance (%)

Monthly maintenance ($)

Monthly management ($)

Other monthly costs and reserves ($)

Your entries stay on this page. The team receives details only when you choose to share them.

Your estimate

Rental scenario results

Enter your figures or load an example to see the coverage ratio, the rent needed at your target, and your estimated cash flow.

Estimated DSCR: —
Monthly housing payment: —
Monthly rent needed at target: —
Estimated monthly cash flow: —

Scenario assumptions

Compare scenarios

Measure	Current	Saved
DSCR
Housing payment
Cash flow

This is a planning estimate. A lender determines accepted rent, underwriting, and loan terms.

Review a scenario with the team

Calculator methodology

How the estimate works.

Housing payment. Monthly principal and interest, annual taxes and insurance divided by 12, plus monthly association dues.
DSCR. Qualifying monthly rent divided by that housing payment. Rent needed equals the payment multiplied by your target ratio.
Cash flow. Expected rent after vacancy, less the modeled housing payment, operating costs, and reserves. Use the rent you expect to collect if it differs from the qualifying rent.

The model uses a fixed rate and regular monthly amortization. Add costs that apply to your property. Upfront costs, mortgage insurance, income taxes, and loan-specific fees are outside this estimate. Example lender methodology

A rental can cover the loan and still run short

$2,350 in rent and a $2,000 housing payment produce 1.18× DSCR. At a 1.25× target, the rent needed is $2,500.

With 5% vacancy and $250 in monthly costs and reserves, the same property comes out to −$17.50 in monthly cash flow.

Learn how DSCR loans work

Talk to Matthew & Cortney

Talk through your rental numbers.

Bring the printed estimate or the assumptions you used. Tell us whether you’re buying or refinancing and where the property is located.

Call (619) 985-5398 Text the team Start a mortgage application