Rental loans qualify on the property, not your personal income: lenders divide the rent by the full PITIA payment. Enter the deal and see your coverage ratio, the 30-year payment, and your monthly cash flow. The math runs in your browser.
Type your numbers. The results update as you go.
Estimates for planning only, not a quote. Assumes a 30-year amortization at the rate you enter. Actual lenders may add vacancy and management reserves to the PITIA, which lowers the ratio. Rates are indicative as of Jul 12, 2026 and subject to underwriting.
A 1.20 DSCR means rent covers the full payment 1.2 times over. At 1.25 and above you get the best pricing. Between 1.0 and 1.25 it still qualifies. Below 1.0 the property does not support the loan on its own.
Three levers: the loan amount, the rate, and the rent. Borrow less or buy the rate down and the ratio climbs. A lease at stronger rent does the same. Taxes and HOA count too: they sit inside the PITIA.
Under 1.0 is not the end. Smaller loan sizes, interest-only periods, and other products still close every week. Submit the deal and we will tell you which one fits.