Free Investor Tool
Size up a California rental in one place. Enter the price, financing, rent, and expenses to see your monthly cash flow, cap rate, cash-on-cash return, and DSCR — the numbers a DSCR lender actually uses.
Estimate. Operating expenses = taxes, insurance, management, maintenance, HOA (not the mortgage). DSCR = NOI ÷ annual debt service.
This tool runs the four numbers investors and DSCR lenders care about: monthly cash flow (rent minus expenses and mortgage), cap rate (unleveraged yield), cash-on-cash return (leveraged cash yield on your invested cash), and DSCR — the debt-service coverage ratio a lender uses to approve the loan. A DSCR of 1.0 means the property’s income exactly covers the payment; most DSCR programs want 1.0–1.25+, and many allow lower ratios with more down.
Ready to finance it? Our DSCR loans qualify on this property’s rent, not your tax returns. Dig deeper with the cap rate and cash-on-cash calculators.
Most DSCR loan programs look for a ratio of at least 1.0 (the rent covers the full payment), and price best at 1.25 or higher. Some programs allow ratios below 1.0 — even down to about 0.75 — with a larger down payment and stronger credit.
It calculates your monthly principal-and-interest payment from the price, down payment, rate, and term, then subtracts it and your operating expenses from the vacancy-adjusted rent.
Property taxes, insurance, property management, maintenance/repairs, HOA, and utilities you pay — but not the mortgage payment (that’s counted separately) and not one-time capital expenditures.
Some DSCR lenders will use short-term (Airbnb) rental projections, which can raise the DSCR. See our guide on Airbnb and short-term rental loans for how that income is counted.
We arrange DSCR and hard money loans for California investors — no tax returns, close in an LLC. Free quote, no credit pull to start.