Investor / DSCR path
Underwrite the rental before you wire the earnest money
See DSCR-style coverage, cap rate framing, and monthly cash flow in one investor-focused snapshot—built for buy-and-hold and portfolio conversations.
Why investors miss the real monthly picture
- Gross rent quotes ignore vacancy, management, and maintenance reserves.
- DSCR programs care about coverage—not just whether rent exceeds payment on paper.
- Spreadsheets rarely produce a client-ready report for partners or lenders.
What the investor analyzer gives you
- Rental income, vacancy, and operating expense inputs in one flow.
- DSCR and cash-flow framing with premium charts in your Playbook Report.
- Clear educational labels—so you know what to verify with your lender.
What this calculator shows you
Estimated monthly rent vs debt service and operating costs
DSCR-style coverage read based on your inputs
Cap rate and cash-flow framing for hold vs sell conversations
Investor strategy notes—not program approval
Example scenario
Example: SFR rental in the low $400s
$425,000 purchase, $3,400/mo rent, 5% vacancy, 25% down, investor rate modeled at 7.25%.
- Est. DSCR (illustrative)
- ~1.05
- Monthly cash flow
- ~$150/mo
- Cap rate framing
- ~6.2%
Illustrative only. Run your own numbers in the analyzer—results depend on your inputs and program.
Run this scenario type →Ready to model your deal?
Your path is preselected. Enter your numbers, then unlock a Playbook Report for your strategy conversation.
Start investor analysisFrequently asked questions
Is this the same as a lender DSCR approval?
No. Lenders use specific programs, appraisals, and lease documentation. This tool helps you plan scenarios before you apply.
Can I model multiple units?
Enter combined rent and expenses for the property you are analyzing. For complex portfolios, run separate scenarios per asset.
What DSCR do I need?
Requirements vary by lender and program. Use this analyzer to see how rent, expenses, and rate change coverage—then confirm with your loan officer.
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Important disclosures
Estimates are for educational purposes only and are not a loan estimate, commitment to lend, or guarantee of terms. Calculators and reports do not constitute financial, tax, or legal advice. Only a licensed loan officer can provide official quotes, disclosures, and approval to lend. Equal Housing Lender.