Find the highest price at which a rental property still pencils as an investment — by cash flow, cash-on-cash return, or the DSCR your lender underwrites to.
Green means the metric clears your threshold at the asking price; red means it falls short. Cap rate and the 1% rule are shown for context.
Estimates only — not a loan offer or investment advice. Results depend entirely on the rent, expense, and rate assumptions you enter, all of which are estimates. This tool does not quote rates or terms, is not a commitment to lend, and is not personalized investment, tax, or financial advice.
How DSCR is figured here: DSCR = gross monthly rent ÷ PITIA (principal + interest + property tax + insurance + HOA), the convention most DSCR lenders use. Actual lender calculations vary — some use market rent from an appraisal (Form 1007), apply floors, or price differently below 1.0. Cash flow and cash-on-cash use effective income after vacancy and deduct maintenance and management, so they will read lower than the lender's DSCR.
Verify property taxes, insurance, rents, and program requirements for your specific deal before making an offer. Confirm financing details with your loan originator.
Gene Richter, MLO NMLS #2806488 · PBT Bancorp NMLS #257781 · Equal Housing Opportunity.