DSCR loan calculator
DSCR Loan in New York: Calculator & Requirements
Run the numbers on a New York rental property in seconds. The calculator below is pre-filled with typical New York property-tax (~1.73%) and insurance assumptions, computes your estimated DSCR, and compares selected inputs with published investor-lender program criteria. Providers apply their own credit, reserve, documentation, property, and underwriting rules.
Example result · edit the inputs before relying on this screen
Estimated rent covers PITIA at these inputs; provider criteria and underwriting still apply.
- Loan amount
- $210,000
- Monthly P&I
- $1,468
- PITIA / mo
- $2,035
- Rent minus PITIA / mo
- $265
- Simplified cap rate*
- 7.4%
- Max loan @ 1.25
- $182,061
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Raise the down payment to about 35.0% (roughly $27,939 more cash) to reach DSCR 1.25.
- ▸Buying the rate down to about 6.1% (from 7.5%) would lift DSCR to 1.25 at the same loan size.
- ▸Rent would need to be about $2,544/mo ($244 above your input) to reach DSCR 1.25 — check comps and any rent-stress add-backs.
About one minute. DSCRDealCheck reviews first; nothing is sent to a lender without the consent shown in the request.
Edit the example and select a state to create a share link.
Request DSCR loan options
Tell us about the investment property and your financing timeline. We’ll review the request and follow up if a potentially relevant next step is available. There is no guaranteed match, quote, approval, or response deadline.
About 1 minute · no obligation · no credit check by this form
You can submit without completing the calculator. We’ll ask for an approximate loan amount and mark the DSCR as not yet calculated.
Go deeper on any deal
- ▸ Rent stress test — see DSCR at −10%, −20%, −30% rent
- ▸ Save up to 20 deals across sessions
- ▸ Side-by-side comparison of any 2–3 saved deals
- ▸ Export clean PDF of any analysis
Program screen
No lender matches shown from example data
Edit the example assumptions and select the property state. We will then compare only the visible DSCR, loan-size, state, and property-type criteria. Credit, reserves, appraisal, title, documentation, and provider underwriting are not checked here.
Edit the example deal ↑This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Providers determine rates, terms, eligibility, transaction classification, and applicable requirements. Not financial, legal, or tax advice.