Run the numbers
DSCR calculator
Rent on top, full payment on the bottom. Enter your own figures, including the rate you have been quoted or want to test, and see where the ratio lands.
Your ratio
Enter the monthly rent, a loan amount and your rate to see the DSCR.
For education only. This calculator uses the figures you enter; it is not a rate quote, loan offer or commitment to lend. Lenders set their own rent, payment and ratio rules.
How to get honest inputs
- Rent: use a signed lease or rents on comparable nearby units, not the best listing you saw.
- Taxes: estimate from your purchase price and the county’s effective rate, and remove any owner-occupancy or homestead credits on the seller’s bill. Our Ohio tax guide walks through it.
- Insurance: get a real landlord policy quote. Older Ohio homes can price higher than you expect.
- Rate and term: enter a rate you have actually been quoted or want to stress-test. We do not pre-fill one because pricing varies by lender, ratio, credit and leverage.
Lenders’ ratios usually leave out vacancy, repairs, utilities and management. A deal that barely clears 1.00 here can still lose money in real life, so run your own full budget too. Read how DSCR is calculated for the full walk-through.
Ratio looks right? Let us shop it.
Tell us the property, the rent and what you want the loan to do. We shop wholesale DSCR lenders and come back with what the numbers support.