DSCR · investment-property financing
See how your next
rental adds up.
Explore your loan, payment, and rental coverage.
Start with a scenario. Make it your own.
Your investment scenario
Editable examples · single-family · one unitRental coverage assumptions
PPP means prepayment penalty. This is a preference, subject to product and state availability. The target DSCR starts at 1.00; estimated coverage below uses rent divided by the total monthly payment.
Enter your own rate assumption to estimate a payment. It is not a live rate, a quote, or confirmation that a loan term is available.
Your planning estimate
Calculated in your browser from your assumptions.
| Principal & interest | Taxes | Insurance | HOA | Total payment | Estimated DSCR | Rent needed at target |
|---|---|---|---|---|---|---|
| — | $500 | $200 | $0 | — | — | — |
Add your assumed rate above to calculate principal, interest, and coverage. Excludes closing costs, reserves, and any mortgage insurance. Qualification may use different rent and expense assumptions.
We’re verifying that returned pricing matches rental coverage and the requested prepayment terms before displaying quotes. Your planning inputs do not request a loan, order credit, or lock a rate.
Start a purchase request for an initial conditional pre-approval.
How this
calculator works.
- Build a scenario
Choose a template and edit the property, loan, and monthly expenses.
- Explore rental coverage
Your rate assumption estimates principal and interest. We add taxes, insurance, and HOA, then divide monthly rent by that total.
- Review your next step
The team can review your financing request. These estimates are not an approval, an offered rate, or a commitment to lend.