DSCR Analyzer

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Scenario

Interest-Only Payments

Lower monthly obligation, improves DSCR

May 2026 Default

Annual Interest Rate7.750%

5.000%12.000%

Purchase Price$350,000

$100,000$2,000,000

Down Payment25%

20%40%

Annual Taxes + Insurance$4,800

$1,200$20,000

Expected Monthly Rent$2,400

$500$10,000

Monthly HOA$0

$0$1,000

Your DSCR Score

1.05

Borderline — May Need Adjustments

Gross Monthly Rent$2,400

Principal + Interest (30yr)$1,881

Taxes + Insurance$400

Total Debt Service (PITIA)$2,281

Net Monthly Cash Flow+$119

Loan Amount$262,500

Interest Rate7.750%

Down Payment$87,500 (25%)

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Educational estimates only. Not financial advice. Consult a licensed mortgage professional.