Start with rent and recurring expenses
Use actual lease income when available, or a conservative market rent estimate. Include taxes, insurance, HOA dues, maintenance, and property management so the NOI estimate is realistic.
Rental property calculator
Rental property DSCR calculator
Long-term rental investors can use DSCR to quickly compare whether lease income appears sufficient to support proposed investment-property debt service.
✓ Single-family rental purchases
✓ Townhome and condo rentals
✓ 2-4 unit rental scenarios
✓ Rent-versus-payment analysis
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.
Compare multiple payment assumptions
If the purchase is rate-sensitive, test several debt-service inputs. A deal that qualifies under one payment may become tight when rates, taxes, or insurance move higher.
Calculator FAQ
Frequently asked questions
What rent should I enter?
Use actual lease income when available. For acquisitions, use conservative market rent support rather than optimistic projections.
Can I use this for a primary residence?
No. This site is for business-purpose investment property scenarios only.
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.