how to calculate dscr step by step before you make an offer

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Before you fall in love with a rental property, run this quick affordability check. 1) Start with gross monthly rent from the listing or market rent analysis. 2) Subtract vacancy (use 5–8% of gross rent). 3) Subtract monthly property taxes, insurance, HOA, and property management — this gives you Net Operating Income (NOI). 4) Calculate the monthly mortgage payment at today’s rate for the purchase price you’re considering. 5) Divide NOI by the monthly debt payment. A ratio of 1.0 or higher means the property covers itself; below 1.0 means you’ll be funding the gap. Lenders typically require at least 1.0; experienced investors look for 1.25 or higher. Run this number before you get attached to the address. Ken Claude | SC Real Estate Broker-in-Charge & Licensed Loan Officer | Carolina Coastal Realty Group, LLC | Summit Lending Group | NMLS #2476547 | 843-900-1254 | Equal Housing Lender | Powered by C2 Financial Corporation.

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