Greenhaven Solutions

Real Estate DSCR Calculator

Run purchase price, financing, projected rents, operating expenses, reserves, cash flow, cap rate, DSCR, and supportable loan numbers before you buy, build, or rent out a property.

Results update automatically as you change the numbers.

Purchase & Loan

Purchase / Project Cost Down Payment % Interest Rate % Loan Term Years Target DSCR Closing Costs Initial Repairs / Furnishings

Projected Monthly Rents

Unit / Source Monthly Rent Vacancy %

Monthly Operating Expenses

Property Tax / Month Insurance / Month HOA / Month Utilities Paid by Owner Maintenance % Management % Capital Reserves % Other Monthly Expense

No need to click first. Edit any number and the deal updates live.

Tip: use the rent fields for projected rental income from the main house, ADU, garage conversion, rooms, or additional units.

Investment Snapshot

Live DSCR, cash flow, and supportable-loan results.

Monthly P&I $2,878 Principal and interest only.

Net Monthly Rent $6,555 After vacancy allowance.

Monthly Cash Flow $1,310 After debt service and expenses.

DSCR 1.46 NOI divided by mortgage payment.

DSCR Loan Test Pass Compares actual DSCR to your target.

Cap Rate 8.38% Annual NOI divided by purchase cost.

Cash-on-Cash 10.70% Annual cash flow divided by cash invested.

Total Cash Needed $147,000 Down payment, closing costs, and initial repairs/furnishings.

Max Payment at Target DSCR $3,350 NOI divided by target DSCR.

Supportable Loan $558,819 Estimated loan amount supported by rents.

Strong projection: positive cash flow and the rents support the target DSCR.

Loan Amount$480,000

Gross Scheduled Rent$6,900

Vacancy Allowance$345

Operating Expenses$2,367

Net Operating Income$4,188

Debt Service$2,878

Loan Surplus / Shortfall$78,819

This calculator is for educational planning only. Verify taxes, insurance, loan terms, rents, repair budgets, and local Los Angeles requirements before making an investment decision.