INVEST / PLAN YOUR NEXT RENTAL

DSCR loan calculator.
See your cash-out potential.

Compare rental income with the mortgage payment, see what limits the loan amount, and estimate refinance proceeds after payoffs and costs. Explore a purchase or refinance, then review the numbers with Luke.

Sample numbers are loaded. Replace them with your assumptions. Results describe a scenario, not an offer of financing.

1Your rental scenario
2Review & contact

Start with the property.

What are you planning to finance?

Financing goal

PurchaseRefinanceCash-out refinance

Target purchase price ($)Requested total loan ($)Requested loan-to-value (%)Monthly rent ($)

Enter a loan amount or percentage; the other updates automatically. Changing the property value preserves the amount or percentage you edited last.

Shape the payment.

Separate the loan payment from taxes and insurance.

Annual interest rate (%)Amortization term (years)Annual property taxes ($)Annual property insurance ($)Monthly HOA dues ($)Estimated credit score700 is the sample score. Use your estimate; this does not pull credit.DSCR target for loan sizing1.00 means rent covers modeled PITIA. Try 1.20 or 1.25 to test a higher requirement; this does not select a lender program or guarantee pricing.

This models a fully amortizing loan. The interest rate is an assumption, not an APR including fees. Input ranges are calculator limits, not available loan terms.

Add a little context.

Optional details make the next conversation more useful.

Property state (optional)Property address (optional)

Your scenario carries into the review form. No documents needed.

PUT THE NUMBERS IN CONTEXT

What limits your loan amount?

The rent ceiling works backward from rent ÷ your DSCR target, less taxes, insurance and HOA, using your interest rate and amortization term. Loan ceilings are rounded down to whole dollars.

The value ceiling uses 80% LTV in the configured loan-size tier.

These are planning assumptions, not current lender terms or an approved maximum. Actual rent treatment, appraisal, credit, loan size, pricing and program rules can change the result. Targets below 1.00 and other loan structures require separate review.

DSCR target used: 1.00
Rent-based loan ceiling: $257,431.00
Value / LTV and loan-size ceiling: $280,000.00
Modeled loan ceiling: $257,431.00
What limits this scenario?: Rent / DSCR target
Rent needed at your requested loan and target: $2,358.00

Want to discuss another documentation path?

Bank statements, a P&L or assets may be worth discussing for your investment scenario. Availability needs a separate review.

Prepare an investor income scenario →

KMN / NODSENSE

Give your rental plans a home.

Create your Investor Suite when you’re ready to start a business-purpose application.

Create my Investor Suite ↗This calculator does not transfer scenarios into NodSense.

What the ratio tells you.

DSCR here is monthly rent divided by monthly principal, interest, taxes, insurance and association dues (PITIA). A ratio of 1.0 means rent equals those costs. Above 1.0 leaves a surplus before other operating expenses; below 1.0 leaves a shortfall. Lenders may evaluate rents and expenses differently.

Read the DSCR guide: rent, credit and loan size →

This is not a loan approval or commitment to lend. Estimates only. Verify actual rent, costs, value and financing terms for the property.

KMN LLC · Luke Roasst · Equal Housing Lender