sfrcalc.comProperty & purchase
$
%
Rent used for qualifying
$
%
Loan terms
%
yrs
Taxes, insurance & dues (PITIA)
$
$
$
DSCR at this loan amount
0.00
—
Qualifying rent
$0
Monthly PITIA
$0
Max loan at target DSCR
$0
Implied max purchase price
$0
| Monthly market rent | |
| Rent haircut applied | |
| Qualifying rent | |
| Principal & interest | |
| Property taxes | |
| Insurance | |
| HOA | |
| PITIA | |
| Actual DSCR |
| Loan amount (at entered down payment) | |
| Max loan the rent can support | |
| Room to spare (or shortfall) |
Most DSCR lenders count only a portion of market rent toward qualifying — commonly 75%, sometimes up to 100% — to build in a vacancy and expense cushion; adjust the haircut to match your lender's guideline. "Max loan the rent can support" solves backward from the target DSCR and current rate/term, holding taxes, insurance and HOA fixed.
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