See the rental the way a DSCR lender will.
Plug in your deal
The numbers above update as you type. Free, no signup.
- Loan amount
- $288,750
- Principal and interest
- $2,019
- Taxes, insurance, HOA
- $700
- Cash flow before repairs
- +$681/mo
The calculator runs your numbers. For $29, we do the research: real rent comps, taxes and insurance, run the way a DSCR lender runs them, with the issues an underwriter would flag.
Estimates assume a 30-year fixed loan. Not a loan offer.
Your deal, checked the way a lender checks it.
We do the research
Send an address. We pull the comparable rentals, property taxes and insurance, so the report isn't built on numbers you guessed.
Underwritten, not estimated
DSCR runs on market rent from real comps and the full monthly payment, the same inputs a DSCR lender uses, rather than a best-case rent.
Flags before the underwriter
Rent above market, high leverage, thin comps, condos, short-term rentals. You see the problems before you make an offer, not after.
Where your deal lands
DSCR divides monthly rent by the full monthly payment: principal, interest, taxes, insurance and HOA. Lenders use it to decide whether a rental can carry its own loan.
Under 1.00
Rent falls short of the payment. Fewer lenders, tougher terms.
1.00 to 1.24
Rent covers the payment. Many DSCR programs start here.
1.25 and up
Comfortable coverage. Usually the best pricing.
The calculator says yes or no. The report proves it.
For $29, we research this deal and turn it into one page your broker or lender can work from.
- Market rent you can defend. An estimate backed by comparable rentals near the property.
- A lender check. The issues an underwriter is likely to flag, before you make an offer.
- Your offer ceiling. The most you can pay and still hit a 1.25 DSCR.
- The full payment, itemized. Principal, interest, taxes, insurance and HOA.
- A stress test. Your DSCR if rates rise 1% or rent drops 10%.
- Ready to forward. A clean PDF with every assumption spelled out.
Check deals free. Pay for proof.
Deal report, per property
Researched comps, a lender check, a stress test and your offer ceiling on one PDF.
Get a reportInvestor plan, per month
Unlimited reports, saved properties, side-by-side comparisons.
Renews monthly at $49 until you cancel. Cancel anytime online.
Start investor planQuestions investors ask
How is this different from a free DSCR calculator?
A calculator only knows what you type in. For the report, we research the comparable rentals, taxes and insurance ourselves, run the numbers the way a DSCR lender does, and flag anything an underwriter is likely to question.
What is DSCR?
Debt service coverage ratio. It's the property's monthly rent divided by its full monthly payment: principal, interest, taxes, insurance and HOA. A DSCR of 1.25 means the rent covers the payment 1.25 times.
What DSCR do lenders look for?
It depends on the lender and the program. Many DSCR programs start around 1.00, and ratios of 1.25 and up usually qualify for better pricing. Some programs allow lower ratios with tighter terms.
What's in the $29 report?
A market rent estimate backed by comparable rentals, a lender check that flags likely underwriting issues, the full payment itemized, a stress test for higher rates and lower rent, the most you can pay and still hit 1.25, all on one page you can send to a broker or lender. See a sample.
What if I'm not happy with my report?
Email us within 7 days of delivery for a full refund. If we can't find enough reliable data for a useful report, we refund you automatically. The refund policy has the details.
Is this a loan offer?
No. Lendworthy provides estimates for analysis. Your actual rate, terms and approval come from your lender.
DSCR calculators by market
Each one is prefilled with local property tax rates.