Residential Loan / DSCR Calculator

Calculate mortgage payments, DSCR, cash flow, and break-even rent for investment properties

Loan & Property Details

Enter loan and rental information

Purchase Price *

Input Method

Down Payment (%)

Loan Amount: $400,000

Interest Rate (APR %) *

Term (years) *

Monthly Gross Rent *

Monthly P&I

$2,661

Monthly PITIA

$2,661

Annual NOI

$27,720

DSCR

Monthly Cash Flow

-$351

Detailed Breakdown

Loan Amount$400,000

Annual Gross Income$36,000

Annual Expenses$6,480

Break-Even Rent (Target DSCR)$3,930

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Residential Loan / DSCR Calculator Results
Generated: 12/16/2025, 3:57:40 PM

INPUTS:
  Purchase Price: 500000
  Input Mode: downPayment
  Down Payment Percent: 20
  Loan Amount: 400000
  Interest Rate: 7
  Term Years: 30
  Monthly Rent: 3000
  Annual Taxes: 
  Annual Insurance: 
  Hoa Monthly: 
  Vacancy Percent: 5
  Maintenance Percent: 10
  Management Percent: 8
  Target D S C R: 1.20

RESULTS:
  Monthly P I: 2,661.21
  Monthly P I T I A: 2,661.21
  Annual N O I: 27,720.00
  Dscr: 0.87
  Monthly Cash Flow: -351.21
  Break Even Rent: 3,929.95

ASSUMPTIONS:
  • Interest rate is annual percentage rate (APR)
  • Vacancy rate is applied to gross rental income
  • Maintenance and management fees are percentages of gross income
  • DSCR calculation uses annual NOI and annual debt service
  • Break-even rent calculation assumes target DSCR of 1.20 (adjustable)

DISCLAIMER:
This calculation is for informational purposes only and does not constitute financial, legal, or tax advice.

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Residential Loan / DSCR Calculator

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Residential Loan / DSCR Calculator

Advanced Options

Export Results

Assumptions

Disclaimer