Property Details
Total property acquisition cost
Expected monthly rental income
Estimated Down Payment (with 5% fees)
$131,346
Includes origination, broker, title & other third-party fees
Estimated Loan Amount
$368,654
LTV: 74.98%
Monthly Rent Income
$4,500
Monthly Expenses
$1,400
Monthly Loan Payment
$2,578
Debt Service Coverage Ratio (DSCR)
Your DSCR
1.13
✓ Acceptable cash flow
Monthly Debt Service
$3,978
Formula: Monthly Rent ÷ Monthly Debt Service
$4,500 ÷ $3,978
Monthly Expense Breakdown
Taxes
$500
Insurance
$200
Maintenance Reserve
$250
Property Management
$450
HOA Fees
$0
Total Monthly Expenses
$1,400
Leverage Options by Credit Score
Excellent Credit
Credit Score: 740 - 850
Max LTV
80%
Min DSCR
1.00
Very Good Credit
Credit Score: 700 - 739
Max LTV
75%
Min DSCR
1.10
Good Credit
Credit Score: 660 - 699
Max LTV
70%
Min DSCR
1.20
Fair Credit
Credit Score: 620 - 659
Max LTV
65%
Min DSCR
1.25
How Leverage Works
LTV (Loan-to-Value): The percentage of the property price you can borrow. A higher LTV means a lower down payment.
DSCR (Debt Service Coverage Ratio): Your monthly rent divided by your total monthly debt service. Lenders require a minimum DSCR to ensure the property generates enough income to cover expenses and loan payments.