DSCR Calculator Know Your Numbers Before You Make an Offer
Run the real math on any rental deal in under 60 seconds. DSCR ratio, monthly payment, max loan amount, cash-on-cash return — all in one place. Works for long-term and short-term rentals.
Run Your Numbers
Property & Loan Details
Monthly Expenses (PITIA)
Long-Term Rental Income
Operating Expenses (for Cash-on-Cash)
Debt Service Coverage Ratio
1.00
✓ Qualifies — Good dealMonthly Payment (P&I)
$2,098
Principal & interest only
Total PITIA
$2,648
Used for DSCR calc
Loan Amount
$300,000
LTV: 75.0%
Cash to Close
$106,000
Down + closing costs
Gross Monthly Income
$2,660
After vacancy
Net Monthly Cash Flow
$-352
After all expenses
Cash-on-Cash Return
-4.0%
Annual net ÷ total cash invested
Monthly Cash Flow Breakdown
What Loan Amount Does This Rent Support?
Based on your current rate, term, and expense inputs. Max FlexPoint DSCR loan: $3.5M.
Ready to move on a deal?
Run the numbers, then let a FlexPoint investor specialist confirm your actual DSCR qualification — no credit pull required.
Get My Free Investor Consultation →Understanding Your Results
What Each Number Actually Means
Every metric in this calculator maps directly to how DSCR lenders evaluate your deal. Here's what to pay attention to.
DSCR Ratio
Rent ÷ PITIA. This is the number the lender cares about most. Above 1.25 gets you the best rates. FlexPoint lends as low as 0.75 — and offers a no-ratio option with no minimum threshold at all.
PITIA Payment
Principal, Interest, Taxes, Insurance, and HOA — the full monthly obligation the lender uses in the DSCR formula. P&I alone understates your real cost; PITIA is the honest number.
Cash-on-Cash Return
Annual net cash flow ÷ total cash invested (down payment + closing costs). This is the real return on your actual dollars. A strong deal typically delivers 6–10%+ CoC in most markets.
Max Loan by DSCR Target
Works backward from your income. Given this rent and these expenses, what's the largest loan the property can support at a 1.0, 1.10, or 1.25 DSCR? Useful for sizing your offer before you know the price.
STR vs. LTR Mode
STR income is calculated from nightly rate × occupancy × days in month, minus platform fees. Lenders typically use a market rent schedule or documented STR income — both modes show you what the deal produces.
CapEx Reserve
Money set aside monthly for future repairs, appliances, roof, HVAC — the costs every landlord eventually faces. Skipping this in your analysis makes the deal look better than it is. Smart investors always model it in.
Let's Run the Numbers on Your Deal
Tell us about the property. A FlexPoint investor specialist will confirm your actual DSCR qualification within 24 hours — no credit pull, no pressure.
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By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
Frequently Asked Questions
The questions investors ask us most about DSCR calculations and loans.