DSCR negative cash flow
A ratio below 1.00 means rent does not cover the entered debt stack. Do not hide the shortfall behind appreciation. Use the rent-gap output to see the monthly fix required at your target ratio.
Don't guess the deal
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Before You Buy
Check DSCR, cash flow, cap rate and financing risk before you make an offer.
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What do you need to test?
Most usedDSCRCan rent cover the debt?
Cash FlowSee the real monthly profit.
Cap RateCompare property yield.
LTVCheck leverage and equity.
Flip / BRRRRFind your maximum offer.
Hidden costs can turn a good deal negative. Start with the lender ratio, then verify the property's full operating cash flow.
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Stress-test the debt before a lender pulls your credit
Enter the actual rent, mortgage, taxes, insurance and HOA. Then cut rent or raise costs to expose the deal's break point.
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- Built for fast deal triage, not loan quotes
Field notes, not lender sales copy
Four places investors get surprised
Appraiser 1007 rent schedule shortfalls
Your lease is not always the rent a lender uses. If the 1007 market-rent schedule comes in light—or the lender applies a rent haircut—the DSCR can fail even when the tenant pays on time.
Delayed financing exception math
Buying cash and refinancing quickly changes the payment you enter here, but it does not rewrite DSCR. Confirm seasoning, source-of-funds and eligible loan-basis rules with the actual lender before treating cash as recycled.
The Bexar County property-tax trap
The seller's tax bill may reflect a lower assessed value or exemptions you will not keep. Re-run the deal with a purchase-price tax estimate and use the tax stress field. Verify the final number with official county records.
The math
What this screen actually calculates
Stressed DSCR = stressed monthly rent ÷ full monthly debt service. Full debt service here includes principal, interest, taxes, insurance, HOA and other fixed obligations you enter. Tax and insurance stress applies only to those two fields.
Lenders may use actual lease rent, a percentage of appraiser market rent, PITIA or a program-specific expense method. Match your inputs to the lender worksheet before relying on the result.
| Stressed DSCR | Working read |
|---|---|
| Below 1.00 | The property does not cover the modeled debt. |
| 1.00–1.19 | Covered, but thin; exceptions may cost leverage or rate. |
| 1.20–1.24 | Near a common cutoff; small input changes matter. |
| 1.25+ | Passes a common first screen, not a loan approval. |
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