David Thomas
Loan Officer — NMLS #399104 · EMortgage Capital, Inc. NMLS# 1416824
DSCR Calculator
Investors qualify on the property's rental cash flow, not personal tax returns. See where your DSCR lands.
Rental income
Financing
Property expenses
Debt service coverage ratio
0.97
- PITIA payment
- $4,347/mo
- Principal & interest
- $3,547
- Taxes
- $650
- Insurance
- $150
- HOA dues
- $0
- Monthly cash flow
- -$147/mo
Below 1.00 — consider more down payment, interest-only, or a rate buydown.
Want the real numbers?
These estimates are a starting point. Send your scenario over and David will return a custom breakdown with live pricing, program options, and a written pre-approval path.