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DSCR & Rental Analyzer

Model a rental purchase or refinance and see the residential lender-style ratio, the investment cash-flow ratio, and the cash the deal actually requires.

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Inputs

DSCR & Rental

Two ratios, kept separate: a residential lender-style coverage estimate and a full investment cash-flow analysis.

Property and loan

Purchase price or value

Down payment

Loan amount$487,500

Annual interest rate

Amortization term

Payment structure

Income and expenses

Monthly rent

Property taxes (monthly)

Insurance (monthly)

HOA dues (monthly)

Vacancy allowance

Management (% of gross rent)

Maintenance (monthly)

Other operating expenses (monthly)

Transaction and target

Closing costs

Target DSCR

Assumptions

Default vacancy allowance: 5% — An editable starting assumption for the operating analysis. Not a market forecast.

Starting assumptions are editable by administrators and are not market forecasts.

Results

Illustrative estimate from the inputs shown. Not a rate quote, approval, or commitment to lend.

Residential DSCR

1.24

Qualifying rent ÷ monthly PITIA

Monthly cash flow

$160

After vacancy, operating expenses, and debt service

Cash to close

$178,750

Down payment plus estimated closing costs

Monthly

Principal and interest$3,243

PITIA (housing payment)$3,953

Operating cash flow$160

Rent needed for target DSCR$4,942

Annual and structural

Gross scheduled income$58,800

Operating expenses-$15,024

Net operating income$40,836

Annual debt service$38,920

Commercial DSCR (NOI ÷ debt service)1.05

Annual pre-tax cash flow$1,916

Cash-on-cash return1.07%

Loan-to-value75.0%

The two ratios are not interchangeable. The residential estimate compares qualifying monthly rent to monthly PITIA and does not deduct operating expenses. The investment ratio compares annual NOI (after vacancy and operating expenses) to annual debt service. A property can pass one and fail the other.

Sensitivity: residential DSCR

How the lender-style coverage estimate moves as the rate and rent change together.

Sensitivity: residential DSCR: Monthly rent by Rate
Rate ↓ / Monthly rent →	$4,410	$4,655	$4,900	$5,145	$5,390
6.00%	1.21	1.28	1.35	1.42	1.48
6.50%	1.16	1.23	1.29	1.36	1.42
7.00%	1.12	1.18	1.24	1.30	1.36
7.50%	1.07	1.13	1.19	1.25	1.31
8.00%	1.03	1.09	1.14	1.20	1.26

Methods and formulas used

Amortizing payment: P = L × r ÷ (1 − (1 + r)⁻ⁿ), where r is the annual rate divided by 12 and n is the number of monthly payments. At zero interest, payment = L ÷ n.

Interest-only payment: outstanding principal × annual rate ÷ 12.

PITIA: principal and interest plus monthly taxes, insurance, and HOA dues.

NOI: gross scheduled rent × (1 − vacancy) minus annual operating expenses. Debt service is excluded from NOI.

Cash-on-cash: annual pre-tax cash flow ÷ actual initial cash invested, including closing costs.

SageFin Capital is a commercial finance brokerage and provides illustrative tools only. Results are estimates based on the inputs you provide and do not constitute a rate quote, pre-approval, credit decision, or commitment to lend. Lender eligibility, program availability, and terms are determined by the lender through a separate review.