Free calculators to analyze deals, calculate DSCR ratios, and get live investment property loan rates.
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Analyze short-term rental deals with occupancy rates, seasonal adjustments, and DSCR. Compare with traditional rental analysis.
Analyze 2-4 unit properties with per-unit rent analysis and combined DSCR.
Instant property valuations, ARV estimates, and DSCR pre-qual. Enter any address, get deal analysis in seconds.
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Full BRRRR strategy analysis — purchase, rehab, rent, refinance, repeat. Use with our DSCR calculator for financing.
NewLive for free by renting units in your duplex, triplex, or quad.
NewCalculate your maximum allowable offer and assignment fee.
Detailed rental property cash flow with expenses, vacancy, and cap rate.
Estimate renovation costs by room and scope of work.
Estimate market rent using HUD Fair Market Rent data by location.
DSCR (Debt Service Coverage Ratio) measures a property's ability to pay its debt obligations. It's calculated by dividing the property's net operating income (NOI) by its total debt service (mortgage payments). A DSCR of 1.25 means the property generates 25% more income than needed to cover the mortgage.
To calculate DSCR: (1) Calculate monthly rental income, (2) Subtract operating expenses to get Net Operating Income (NOI), (3) Divide annual NOI by annual debt service. Formula: DSCR = Annual NOI ÷ Annual Debt Service. Use our free DSCR calculator above for instant results.
Most DSCR lenders require a minimum ratio of 1.0 to 1.25, meaning the property must generate at least 100-125% of the mortgage payment. Higher DSCR ratios (1.3+) typically qualify for better interest rates. Some lenders accept ratios as low as 0.75 for strong borrowers.
Analyze rental properties using the 1% rule (monthly rent ≥ 1% of purchase price), calculate cash flow (income minus expenses), determine DSCR ratio, estimate cap rate (NOI ÷ property value), and factor in appreciation potential. Use multiple calculators to validate assumptions.
Include property taxes, insurance, maintenance, property management (8-12%), vacancy allowance (5-10%), utilities (if owner-paid), HOA fees, and capital expenditure reserves. Don't forget closing costs, inspection fees, and potential rehab costs for your initial investment.