DSCR
See whether the rent carries the loan. Enter the property's rent, the loan you have in mind, and the carrying costs - and watch the debt service coverage ratio, monthly cash flow, and break-even rent update live.
Educational estimate only. This tool is not an offer, quote, rate indication, or underwriting decision, and its bands are illustrative - not 1st Private Capital lending criteria.
Rent on one side. Payment on the other.
In-place rent, or the market rent you expect the property to earn.
Your own assumption - not a 1st Private Capital rate.
Ignored for interest-only.
Leave blank if the property has none.
Enter the monthly rent, a loan amount, and an interest rate to see the debt service coverage ratio.
Bands are illustrative reference points for thinking about coverage - they are not 1st Private Capital underwriting thresholds. Actual structures depend on the full transaction.
Snapshots are stored only in this browser on this device - nothing is sent anywhere. Clearing site data removes them.
Educational estimate only. Nothing on this page is an offer, quote, rate indication, or underwriting decision. The rate, amortization, and costs are your own assumptions. To send results to 1st Private Capital, copy or download them and paste the summary into the Exit strategy field on the Request a Term Sheet form - the form does not import them automatically yet.
No black box. Here is every formula.
The whole calculation runs in your browser. Nothing you type is sent anywhere.
standard amortization payment at your rate and term - or loan x monthly rate for interest-only
Computed from the loan amount, interest rate, and amortization you enter.
P&I + taxes/12 + insurance/12 + monthly dues
The property's full monthly carry: principal, interest, taxes, insurance, and association dues.
monthly rent / monthly payment (PITIA)
The headline number: how many times over the rent covers the payment.
rent where DSCR = 1.0 (rent equals PITIA)
The rent at which the property exactly carries itself at your assumptions.
1.25 and above: strong - 1.10-1.25: workable - 1.00-1.10: thin - below 1.00: under water
Qualitative reference bands for reading the ratio. They are illustrative, not 1st Private Capital underwriting thresholds - real decisions consider the whole transaction.
What moves a DSCR.
Higher achievable rent raises the ratio directly. Confirming real market rent - not a hopeful number - is the single most important input.
A smaller loan or a lower rate cuts the payment and lifts the ratio. Taxes, insurance, and dues matter too - they are part of the payment.
A thin ratio at one loan size can be a strong ratio at another. Use the calculator to find the structure where the property carries itself.
1st Private Capital now offers DSCR rental loans nationwide. Read more on the DSCR Loans page.
Does the Rent Carry It?
Paste your results into the request form and get real terms on the real deal.