DSCR Loan Calculator
In the workshopRent vs payment, pass or fail
Store name: “DSCR Loan Calculator”
Coming soon
Not out yet — but it’s close.
Will this rental property's income cover the loan?
- Enter income two ways: net operating income directly, monthly or annual, or itemized — gross rent, a vacancy allowance, and monthly operating expenses for tax, insurance, HOA, management, maintenance, utilities and other — built into effective gross income and NOI line by line
- Enter the mortgage two ways too: a loan amount, rate and amortization term, with the monthly principal and interest computed for you, or a payment you type in
- Max Loan is the exact inverse of the coverage math, and confirms the loan lands at or above the minimum you set
- Every figure computed on your device in exact cents against the standard finance formulas; nothing is looked up or estimated behind your back
What it is
A DSCR calculator that works both ways. Coverage takes a rental property's income and its mortgage and returns the debt-service coverage ratio with a MEETS or BELOW verdict against your lender's minimum, plus how much room the deal has: how far income could fall, or the payment rise, before it slips under the line. Max Loan starts from the net operating income and a DSCR minimum instead, and solves backward to the most debt service the income supports and the largest loan at your rate and term.
Why we built it
DSCR is net operating income divided by the mortgage payment, and it is the number a lender underwrites the property on rather than you. A ratio of 1.25 means the property earns $1.25 of income for every $1.00 of principal and interest, and lenders set a minimum, often somewhere around 1.00 to 1.25. It is a planning and reference tool, not lending advice and not a loan offer: lenders set their own income, expense and DSCR definitions and their own minimums, so confirm every figure with yours.
Want one like this?
DSCR Loan Calculator is one of 27. We can build yours.
Every app on the shelf started as one honest problem, scoped small and built native, end to end. That’s exactly how we approach client work — designed, built and shipped, without the bloat.
