DSCR Check
Lender DSCR = Gross Rent ÷ PITI (annual debt service). Most DSCR programs require 1.00+.
Debt Service
Annual Debt Service$7,984
Rental Income
Gross Annual Rent$30,000
Lenders qualify DSCR loans using gross rent ÷ PITI — no operating expenses or vacancy deducted. Adjust your real-world expenses in the Investor Cash Flow Snapshot below.
Growth Assumptions
3.76DSCR Ratio
Pass · Threshold 1.00
Gross Rent
$30,000
Debt Service
$7,984
Investor Cash Flow Snapshot
Your real-world view after vacancy and operating expenses. Not used in the lender DSCR above.
Positive Cash Flow
Operating expenses cover taxes, insurance, HOA, repairs, management, and utilities you pay (typical SFR: 25–30%). Vacancy reserve is typically 5%.
Effective Rent
$28,500
Operating Expenses
$7,500
NOI
$21,000
Cash Flow / mo
$1,085
Annual cash flow: $13,016 after $7,984 debt service.
5-Year Hold Projection
DSCR column uses gross rent ÷ debt service (lender view). Cash Flow column applies your opex and vacancy.
| Year | Gross Rent | Op Ex | NOI | Debt Service | Cash Flow | DSCR |
|---|---|---|---|---|---|---|
| Year 1 | $30,000 | $7,500 | $21,000 | $7,984 | $13,016 | 3.76 |
| Year 2 | $30,900 | $7,650 | $21,705 | $7,984 | $13,721 | 3.87 |
| Year 3 | $31,827 | $7,803 | $22,433 | $7,984 | $14,449 | 3.99 |
| Year 4 | $32,782 | $7,959 | $23,184 | $7,984 | $15,200 | 4.11 |
| Year 5 | $33,765 | $8,118 | $23,959 | $7,984 | $15,975 | 4.23 |