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PLATE 002 Investor · Rental Property

DSCR Calculator

Qualify by property cash flow — not your personal income. We check coverage at the lender's preferred 1.25× bar, and at the conservative 75% rent some lenders underwrite.

DSCR1.09 Gross Rent$2,500 Obligation$2,300 Cash Flow$200 DSCR1.09 Gross Rent$2,500 Obligation$2,300 Cash Flow$200

Inputs

Rent, mortgage, taxes, insurance and HOA — monthly figures.

$
$
$
$
$
Debt Service Coverage Ratio
1.09
Total Monthly Obligation$2,300.00
Monthly Cash Flow$200.00

Rent covers the full obligation — this property typically qualifies for DSCR financing.

Debt Service Coverage
1.09
1.00 qualifies · 1.25× preferred
Monthly Obligation
$2,300
P&I + taxes + insurance + HOA
Monthly Cash Flow
$200
rent minus obligation
Gross Rent
$2,500
monthly scheduled rent

Coverage Meters

Live read on the two numbers lenders care about.

Debt Service Coverage Ratio 1.09
00.51.0 × qualifies1.52.0
Monthly Cash Flow $200
−0cash positive+
FIG. 01Coverage Meters SCALE0–2.0× STATUSLIVE

Where the Obligation Comes From

Your monthly debt service, split by component.

Per Month
$2,300
total obligation
P&I Taxes Insurance HOA / Other
FIG. 02Obligation Split UNITUSD/MO STATUSLIVE

Rent vs. Obligation

Where the property stands against the 1.25× target.

Gross Rent Obligation Cash Flow 1.25× Target
FIG. 03Coverage Bars UNITUSD/MO STATUSLIVE

Analysis

Adjust the inputs above — the analysis updates automatically.

Key Figures

DSCR
1.09
Effective DSCR
0.82 (at 75% rent)
Monthly Obligation
$2,300
Cash Flow
$200
Rent for 1.25×
$2,875

This property is penciling out?

DSCR loans are priced by the deal, not your W-2. Bring this sheet to a loan officer and get a real rate quote.

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Estimates Only — Not a Loan Offer

Results shown are estimates for educational purposes only and are not a loan approval, commitment, or offer to lend. Your actual payment, rate, and eligibility will be determined at application based on your credit, income, assets, property, and current market conditions.

Eagles Funding Group, NMLS #2450816 · Licensed by the Florida Office of Financial Regulation · Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Consumer access: www.nmlsconsumeraccess.org.