DSCR calculator

A DSCR calculator should test rental income against the full property payment.

Estimate rental income, payment, taxes, insurance, HOA dues, reserves, LTV, and cash-flow fit before treating a rental deal as financeable.

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NC and SC licensed Your question stays attached Loan and property review

SCSouth Carolina market pages NCNorth Carolina market pages FHAPayment, MIP, repairs, and cash to close VAEntitlement, seller credits, and military timing ReviewSend the property, payment, cash to close, and timing

Your mortgage contactMatt Doby, NMLS #2115225, reviews NC and SC mortgage questions directly.

Possible deal issuesPayment, cash to close, property condition, credits, and timing reviewed together.

Clear follow-upThe page, question, and goal stay attached so Matt can respond with the right context.

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Send the inputs Matt should verify

Matt Doby | NMLS #2115225 | NC + SC licensed

Send the property, your timeline, the payment question, and the thing that could slow the file down. That gives Matt enough context to be useful from the first reply.

Name Email Phone What should Matt review?

A few details help Ledger route your reviewWhich state is the property in?What are you trying to do?When are you hoping to move or refinance?

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No spam. No pressure. Send the details and Matt will tell you the next useful step.

Best forInvestor DSCR planning

What Matt reviewsInputs, assumptions, taxes, insurance, payment, and cash

Next StepRun the estimate, then send the actual property for review

What DSCR math should include

DSCR is property-first. Rent, payment, taxes, insurance, HOA dues, vacancy, repairs, and reserves decide whether the loan path is worth pursuing.

Market rent and lease assumptions
Principal, interest, taxes, insurance, HOA
Vacancy, maintenance, reserves, and LTV
Exit plan and property condition

Using AirDNA or another STR projection? Use it to pressure-test the investment, not as automatic qualifying rent. Enter only the rent source the selected lender and product permit, then keep operating cash flow separate from the lender's DSCR calculation. Review the STR evidence questions.

Does the property support the payment?

Compare qualifying monthly rent with principal, interest, taxes, insurance, and HOA. Then review the separate operating-expense cushion before deciding whether the deal deserves a full analysis. The payment model uses a fixed 30-year amortization; use the actual proposed term and lender’s rent definition for a file review.

Purchase price Down paymentPercent Interest rate Monthly qualifying rentUse eligible lease or appraisal rent, not a guess. Annual property taxes Annual insurance Monthly HOA Monthly operating reserveVacancy, repairs, utilities, and management planning.

Estimated loan amount$340,000

Estimated PITIA$2,869 / monthPrincipal, interest, taxes, insurance, and HOA.

Estimated DSCR1.12Qualifying rent divided by PITIA.

Cash-flow planning cushion-$69 / monthRent minus PITIA and the operating reserve entered above.

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Planning estimate only, not an approval, appraisal, rent determination, or rate quote. Lenders define eligible rent and minimum DSCR differently. Property type, lease history, short-term-rental rules, appraisal rent, reserves, prepayment terms, credit, and loan-to-value can change eligibility and pricing.

Payment and cash-to-close control

Use the numbers as a planning view, then confirm taxes, insurance, credits, and program fit before the offer moves.

Borrower pictureCredit, income, assets, occupancy, and timing are considered together.

Property reviewCondition, price, taxes, insurance, appraisal risk, and program fit stay visible.

Clear next stepYou leave with the next document, decision, or question clearly identified.

Check the inputs behind the result

Use the calculator that matches the decision, then replace broad estimates with the property's actual taxes, insurance, dues, credits, and timing.

Loan optionsFHA, VA, USDA, conventional, construction, refinance, and investor paths. NC and SC marketsLocal mortgage guidance for city, coastal, lake, rural, and metro buyers. CalculatorsPayment, cash to close, construction, refinance, and VA planning tools. Trust standardLicensing, review standards, and what should be verified before advice matters.

What Matt checks behind the estimate

Documents and facts

Property address or target area
Price range and timeline
Income and down payment or equity
Credit concern or deal blocker

Common deal blockers

Taxes, insurance, and HOA dues
Appraisal or repair conditions
Credit, income, or reserve friction
Program timing or documentation gaps

Put the result in context

Use the matching loan and market guides to understand which assumptions can change the estimate.

Investor loan calculatorCompare rent, operating expenses and debt-service assumptions. DSCR loansLoan-program context for rental properties. Short-term rental DSCRSTR-specific rental and property review. Review with MattSend the rental deal.

What to send when the estimate needs a real review

Send the property address, price or balance, goal, timing, and the input that needs to be verified.

Useful inputs

FHA VA Construction loans Investor / Non-QM Charleston Charlotte

Check the estimate against the real property

Review my financing options with Matt Send the property address Check payment and cash to close Ask what could slow the file down

Questions to ask about the estimate

Can I use this calculator number as a final approval?

No. Use it as a planning estimate, then verify taxes, insurance, credits, income, assets, and program rules before relying on it.

What should I send after using the calculator?

Send the property price or address, down payment or equity, estimated taxes and insurance, credit concern, and timeline.

Why can the real payment differ from the estimate?

Taxes, insurance, HOA dues, mortgage insurance, credits, lock timing, and underwriting conditions can all change the final number.

Educational information only. Not a loan approval, rate quote, or commitment to lend. Final approval depends on borrower, property, program, pricing, and underwriting review.