Illustrative national averages as of Aug 6, 2026 (Freddie Mac Primary Mortgage Market Survey; other products estimated). Not a quote or commitment to lend - your rate depends on credit, loan amount, property type and other factors.
DSCR calculator
Enter the rent and the carrying costs and see the ratio a lender would compute - plus the largest loan the rent supports at your target DSCR. No credit check, nothing submitted.
Will the rent carry the loan?
Loan amount: $300,000
Most DSCR lenders use gross market rent (0%). Add a haircut to stress-test.
Defaults to 2% of the loan and follows it until you set a value. Drives the APR.
- Loan amount
- $300,000
- Principal & interest
- $2,047 / mo
- Taxes, insurance & HOA
- $700 / mo
- Total PITIA
- $2,747 / mo
- Qualifying rent
- $3,400 / mo
- Monthly cash flow before reserves
- +$653
- Max loan at 1.00 DSCR
- $395,792
- Terms of repayment
- 30 years, fixed, 360 monthly payments
For illustration only. Not a commitment to lend, a rate lock, or an offer of credit. Rates, DSCR minimums, taxes, insurance, and rents vary by lender, property, and market. Your actual terms are determined after application and full underwriting.
