Stabilized rental community — DSCR financing for investment property owners

Rental Investor Toolkit

What if the numbers change?

Compare two rental purchase scenarios. Adjust rent, rate, down payment, and property expenses to understand the trade-offs before talking with an advisor.

Back to the rental investor toolkit Already know your payment? Use the DSCR calculator

Start with an illustrative example, then enter your own assumptions.

The example’s 7% rate and down payments are hypothetical, not offered terms. This purchase model assumes a fixed-rate, fully amortizing loan. Inputs stay in this page and are not sent with an inquiry.

1. Shared property assumptions

These apply to both scenarios. Other operating costs can include maintenance, management, and replacement reserves; exclude taxes, insurance, HOA, and debt payments already entered separately. Enter 0 for a confirmed zero cost.

Purchase price ($)Annual property taxes ($)Annual insurance ($)Monthly HOA ($)Other monthly operating costs ($)Vacancy allowance (%)Amortization (years)

2. Compare two financing scenarios

Edit either scenario. The shortcuts replace the alternative with one change from your current starting scenario.

Starting scenario

Monthly rent ($)Assumed interest rate (%)Down payment (%)

Alternative scenario

Monthly rent ($)Assumed interest rate (%)Down payment (%)

3. See what changes

Updates as you edit. Results are estimates, not an eligibility decision.

Estimated starting and alternative rental scenarios
Measure	Starting	Alternative
Down payment (not total cash to close)	$100,000.00	$120,000.00
Loan amount	$300,000.00	$280,000.00
Loan-to-value	75.0%	70.0%
Monthly principal & interest	$1,995.91	$1,862.85
Monthly PITIA	$2,545.91	$2,412.85
Estimated DSCR	1.18x	1.24x
Monthly cash flow after entered costs	$54.09	$187.15

Compared with the starting scenario: down payment is $20,000.00 higher, estimated monthly housing payment is $133.06 lower, and estimated monthly cash flow is $133.06 higher.

DSCR here is gross monthly rent ÷ PITIA (principal, interest, taxes, insurance, and HOA). Vacancy and other operating costs reduce the cash-flow estimate separately. Closing costs, points, income taxes, appreciation, and selling costs are excluded. A lender may use different qualifying rent or debt service.

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