Investors: run your numbers
The DSCR calculator
One ratio decides a DSCR deal: monthly rent ÷ full monthly payment. Drag the sliders and watch the property qualify (or not) in real time.
The deal
Your DSCR
1.20
Strong — this deal carries itself
Most programs look for 1.0+; sub-1.0 options exist with more down.
Monthly payment (PITIA)
Calculator results are estimates for illustrative and educational purposes only, are not a quote, rate lock, pre-qualification or pre-approval, and accuracy is not guaranteed. DSCR thresholds, rates, taxes, insurance and program terms vary by investor and scenario. Contact Joe for figures specific to your situation.
Reading your number
What the ratio means in practice
Strong
The rent clears the payment with room to spare. Widest program access, best pricing tiers.
Qualifies on most programs
Rent covers the payment. This is the standard DSCR sweet spot.
Sub-1.0 territory
Some investors allow it with more down payment and stronger reserves. Deal-by-deal.
Rework the deal
Usually means renegotiating price, raising rent, or bigger down. Joe can pressure-test it.
Ran the numbers? Now pressure-test them.
A calculator can't see rate options, program tiers, or the sub-1.0 workarounds. Joe can — text him the deal and get a real read in minutes.