Use total rent across units
Add the expected rent from all units, then subtract recurring operating expenses. Vacancy and repairs may be higher for multi-unit properties, so conservative assumptions matter.
Multifamily calculator
Multifamily DSCR calculator for small rental properties
For duplexes, triplexes, fourplexes, and other small multifamily scenarios, DSCR depends on total property income, realistic operating expenses, and the proposed debt service.
✓ Duplex cash-flow checks
✓ Triplex and fourplex acquisitions
✓ Small multifamily refinance scenarios
✓ Unit-level rent roll stress tests
Elite DSCR Calculator
Compare scenarios, copy a shareable link, and print a polished result state built for business-purpose investment property analysis.
Scenario Inputs
Fine-tune the economics of your deal.
Presets
Quick-load an archetype scenario.
$3,500
$800
$2,500
Broker, not a lender.Company NMLS #2827624.No owner-occupied scenarios.
Calculation verdict
Waiting for inputs
Provide rent and debt service inputs to awaken the underwriter AI.
Trust & disclosure
Business-purpose only01Loan Daddy LLC acts as a broker, not a lender, and results are estimates only.
02No approval, rate lock, funding commitment, or underwriting decision is made by this calculator.
03Use business-purpose investment property scenarios only. No owner-occupied requests.
Review property type and program fit
Different lender programs may treat 2-4 unit, 5+ unit, mixed-use, and commercial multifamily properties differently. A broker review can help compare available program lanes.
Calculator FAQ
Frequently asked questions
Can this calculator handle a duplex or fourplex?
Yes. Enter total monthly rent across units, total monthly expenses, and the proposed monthly debt service.
Are 5+ unit properties reviewed the same way?
Not always. Larger multifamily or mixed-use properties may require different lender programs and additional review.
Loan Daddy LLC is a mortgage broker, not a lender. Calculator outputs are estimates for discussion only and are not a loan approval, pre-approval, rate lock, or commitment to lend.