DSCR Investor Calculator | Novis Mortgage

Investment snapshot

SAMPLE · Miami investment property

Offer priceInterest rate %Lease rent / moMarket rent / mo

Lender DSCR

—

Gross qualifying rent / PITIA

Monthly cash flow

—

After vacancy, operations, CapEx and debt

Cash-on-cash

—

Year 1 cash return / invested cash

Total liquidity needed

—

Cash invested + retained reserves

SCREENCalculating…

Financing & lender screen

Loan amount—

Effective LTV—

Principal + interest / month—

Tax + insurance + HOA / month—

Total PITIA / month—

Qualifying rent / month—

Rent required for minimum DSCR—

Max loan at DSCR target—

Max loan at collateral cap—

Max loan at both caps—

Loan shown uses target down payment, capped by appraised value and max LTV. The DSCR cap is a separate sizing result.

Operating performance

Projected gross rent / month—

Vacancy loss / month—

Effective collected rent / month—

Operating expenses / month—

NOI / month, before CapEx—

CapEx provision / month—

Debt service / month—

Cash flow / month—

Cap rate on offer price—

Break-even projected rent—

Cash required to close

Down payment—

Loan points + lender fees—

Other closing + prepaids—

Applied seller credit*—

Cash to close—

Repairs at acquisition—

Reserves retained—

Total liquidity needed—

Assets above / (below) need—

* Seller credit is limited to modeled closing costs here. Actual permitted amount and eligible fees depend on the loan program.

Investor decision checks

A modeled pass does not establish approval or verify property eligibility, association finances, insurance, appraised rent, prepayment penalties or asset documentation.

Downside view

Base monthly cash flow—

Investor rent −10%—

Interest rate +0.50%—

Stress calculations hold the loan amount and all other assumptions constant.

Important: Sample rate, points, fees and loan terms are editable illustrations, not a quote or offer of credit. Rates may change or be unavailable at commitment or closing. Property eligibility, qualifying rent, lender guidelines, taxes, insurance, costs and concessions require verification. This tool stores entries only in your browser; it does not submit an application or send your figures to Novis Mortgage.

Methodology: The residential DSCR example uses qualifying gross rent ÷ PITIA, consistent with Visio Lending's description. Investor cash flow separately includes vacancy and operating expenses; see CoreVest's cash-flow method.

Investment acquisition analysis

Property assumptions

Deal identification

Acquisition and loan

Rent evidence

Operating costs