Monthly PITI Breakdown
Principal & Interest$1,557
Property Taxes$300
Insurance + HOA$120
Total PITI$1,977
Loan: $240,000 · 6.75% for 30 years
Rent Coverage Ratio (DSCR)
0x1.0x1.25x2.5x
1.32xStrong
Strong — rent comfortably covers the mortgage.
Many DSCR programs commonly look for ratios around 1.00x–1.25x or higher, depending on the lender and program.
↗Monthly Cash Flow
+$486/mo
+$5,830/yr after PITI & expenses
%Cash-on-Cash Return
8.4%
Cash in: $69,000 (down + ~3% closing)
✓ Above 8% target
▣Break-Even Rent
$2,081/mo
Minimum gross rent to cover PITI at the vacancy rate entered
⌂Break-Even Purchase Price
$393,637
Approximate max price where effective rent covers PITI plus operating expenses
✉
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Calculator results are estimates for informational purposes only and are not a loan approval, pre-approval, commitment to lend, or guarantee of terms. Actual DSCR calculations, eligible rents, leverage, pricing, taxes, insurance, reserves and underwriting requirements vary by lender and loan program.