INTERACTIVE DECISION TOOL

DSCR Campus Rental Calculator

Estimate residential DSCR and property cash flow using your campus rental assumptions. Inputs stay on the left while the visual output updates on the right as assumptions change.

THE NUMBERS, WITH YOUR ASSUMPTIONS

Is a DSCR Loan Right for You?

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Property price ($)Down payment (%)Interest rate assumption (%)Expected rent / month ($)Property taxes / year ($)Insurance / year ($)HOA dues / month ($)Ownership period (years)

The interest rate is a planning input, not a current offer. Enter actual taxes, insurance, HOA and mortgage insurance when available. Results update as you type.

Estimated residential DSCR

0.85×

Rent ÷ principal, interest, taxes, insurance, HOA and mortgage insurance. Lender calculation methods and minimums vary.

Rent$3,800

Housing payment$4,452

Payment & cost breakdown

Loan amount: $540,000
Principal & interest / month: $3,502
Taxes + insurance + HOA + MI: $950
Rent / month: $3,800
Vacancy, management, repairs & other: $1,391
Cash flow / month: -$2,044
NOI ÷ principal & interest: 0.42×

Educational estimates only. No loan approval, rate quote, or commitment to lend. Rates, terms, down payment, documentation, reserves, occupancy and property eligibility vary by borrower, lender, state and program. Rental income, appreciation and investment returns are not guaranteed.

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