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Calculators · Residential

DSCR MAO Calculator

How much can I pay?

Home › Residential › Long-Term Rental › Reverse DSCR Calculator

Most calculators start with our Purchase Price and tell you if the numbers work. This one starts with the rent and gives us an idea of how much we should pay.

A DSCR loan is based on whether the rent covers the mortgage, not our income. The maximum rent-supported loan size is determined by the rent, taxes, insurance, loan's monthly payment, and the target ratio the lender requires.

Work the math backward from rent and expenses and we get a ceiling... the most we can pay for a property and still have the income cover the debt. Anything above that ceiling means the rent and loan amount do not hit the target ratio.

This calculator does not account for rehab costs, closing costs, or carrying costs on a rehab loan. It answers one question: given the rent a property will generate, what is the most I should pay for it in rent-ready condition? For a rehab scenario, we will have an Advanced Reverse DSCR Calculator soon... where we can see if we can get all of our money back from the Rehab loan when we do a 75% Cash-Out Refi into a DSCR.

Target DSCR Ratio
1.15, 1.20, or 1.25 may be required, not just a 1.0 ratio. 1.0 is most common minimum; qualifying a specific property in a specific location may be a higher bar.
Gross Rent, Monthly
$
Taxes, Annual
$
Estimate taxes based on Purchase Price, not current assessed value... and ensure to remove any homestead exemption if the property is owner-occupied today.
Insurance, Annual
$
Association Dues (optional)
Annual
$
Monthly
$
Loan Type

Note 1: Interest-Only payment reflects the first ten years only. Principal is added in Year 11.

Note 2: ARMs are not included in this calculator.

Loan Term
Years
Interest Rate
%
Loan or Down?
% [or] $
Dollar amount and percent are resolved at Calculate Now. Default: Loan Amount at 80% LTV.
Select Loan Amount or Down Payment above.
Maximum Purchase Price / minimum refi Appraisal value
Max Loan Amount
Required Down Payment
At a Target Ratio of
Monthly Rent
Max PITIA
PITIA Breakdown
Principal & Interest
Taxes
Insurance

Have a specific price in mind? Run the forward DSCR calculator →

This calculator is for estimation purposes only. Actual loan terms, payments, qualifying ratios, and maximum loan amounts will vary based on lender requirements, property type, and borrower qualifications. Taxes are estimated by the user — consult a local tax authority or title company for accurate figures.