DSCR Refinance / Cash-Out Calculator

Estimate your maximum DSCR loan using both LTV limits and DSCR requirements, then see your estimated cash-out after payoff and typical refi costs.

Property Value (Appraisal / Market Value)

Rent Type

Use In-Place Rent Use Market Rent

In-Place Rent (Monthly)

Market Rent (Monthly)

Annual Property Taxes

Annual Insurance

HOA (Monthly)

Other Monthly Expenses

Example: landscaping, utilities you cover, pest control, etc.

Vacancy Factor (%)

Management (%)

Payment Type

Amortized Interest-Only

Interest Rate (%)

Amortization (Years)

Ignored if Interest-Only is selected.

DSCR Requirement

Max LTV (%)

Existing Loan Payoff (if refinancing)

Estimated Refi Closing Costs (%)

2% is a common planning estimate. Your actual costs vary by state + lender.

Calculated Closing Costs ($)

Origination Points (% of new loan)

Your Results

Max Loan Allowed (Lowest of DSCR + LTV)

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Estimated Cash-Out (before lender reserves): —

Estimated Monthly Payment: —

Estimated DSCR at Max Loan: —

Rent Used for DSCR: —

Estimated Monthly NOI: —

Max Loan by DSCR: —

Max Loan by LTV: —

Estimated Total Refi Costs (CC + points): —

Notes: This is a planning tool. Actual DSCR underwriting varies by lender (expense assumptions, rate/IO terms, escrow, reserves, etc.).

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