DSCR Purchase Calculator

Estimate DSCR, cash flow, and cash-to-close for a rental purchase. Planning tool only — final terms depend on the full scenario.

Purchase & Loan

Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Estimated Closing Costs (%)

2% is a solid planning estimate.

Upfront Repairs / Make-Ready ($)

Rents

Market Rent (monthly $)

In-Place Rent (monthly $)

Use Market Rent?

Self-Managed?

DSCR uses PITIA?

Other Monthly Income ($)

Vacancy Allowance (%)

Operating Expenses

Monthly Mgmt Fee (%)

Turn on “Self-Managed” to set this to $0.

Maintenance Reserve (% of rent)

CapEx Reserve (% of rent)

Utilities You Pay (monthly $)

HOA (monthly $)

Other Fixed (monthly $)

Insurance (annual $)

Property Taxes (annual $)

DSCR is estimated as NOI ÷ Debt Service. Toggle PITIA to include taxes/insurance/HOA in the debt service.

Estimated DSCR

0.00

Monthly Cash Flow

Cash-on-Cash (Annual)

0.0%

Monthly Breakdown

Rent Used (after vacancy): $0

Gross Income: $0

Operating Expenses (excl. debt): $0

NOI: $0

P&I: $0

Debt Service Used for DSCR: $0

Cash Needed to Close (estimate)

Planning only. Final cash-to-close depends on lender fees, title, escrow, and reserves.