Harbor Light Lending Group
CALCULATORS

DSCR Calculator

Qualify an investment property on its rental cash flow — check the debt-service coverage ratio lenders look for.

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Cash Flow / mo

-$282

Cap Rate

5.62%

Loan Amount$375,000
Down Payment$125,000
Mortgage Payment / mo$2,622
Origination Fee$5,625
Total Closing Costs$13,625
Cash Needed to Close$138,625
Gross Rental Income / yr$38,400
Operating Expenses / yr$10,320
Net Operating Income / yr$28,080
DSCR0.89
Cash-on-Cash Return-2.44%

DSCR ≥ 1.0 qualifies. DSCR ≥ 1.25 unlocks best rates.

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