DSCR Calculator
Calculate debt service coverage ratio and cash flow for your rental property investment
Property Details
Monthly Rent$3,500
$1,000$15,000
Property Price$500,000
$100,000$3,000,000
Down Payment (25%)$125,000
$75,000$250,000
Interest Rate8.25%
5.000%12.000%
DSCR Ratio
0.76
Needs Work
(Rent × 75%) ÷ Total Debt
DSCR 0.76 — rent doesn't cover the payment yet. A larger down payment or higher rent gets you to 1.0.
Cash Flow
Monthly Rent$3,500
Effective Rent (75%)$2,625
P&I$2,817
Tax + Insurance + HOA$650
Monthly Cash Flow-$842
Annual Cash Flow-$10,107
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