Does the rent cover the whole payment?

Calculate a planning DSCR from monthly rent and the full estimated housing payment. Enter your own loan amount, term and rate, plus annual taxes, annual insurance and monthly association dues; no market pricing is supplied.

Monthly rental incomeLoan amountAnnual property taxesAnnual insurance premiumMonthly HOA duesLoan term in yearsAnnual interest rate

Start with the whole payment.

Enter every field, including your own rate. Use zero for an expense that does not apply. No market pricing is supplied.

Planning only, not a quote or loan decision. Repairs, vacancy, management, utilities and other operating costs are not included. Program calculations may differ.

Read the result as a ratio, not a decision

A ratio of 1.00 means the entered rent matches the estimated housing payment. Above one, the rent exceeds that payment; below one, it does not. Wholesale lenders set their own income methods and eligibility requirements, so no ratio shown here guarantees a program fit.

Keep the units consistent

Enter taxes and insurance as annual amounts. Enter rent and association dues as monthly amounts. Use zero for an expense that does not apply. The calculator assumes a fully amortizing payment and does not model interest-only periods, balloon obligations, fees or changing terms.

Keep an operating budget beside the calculator

Repairs, vacancy, management, utilities and capital replacements can affect the investment even though they are not included in this housing-payment calculation. Read the Wisconsin tax guide to check the source of each input, then send a documented scenario if you want a broker review.

Bring the property. We’ll work through the fit.

Share the rent, tax bill and your investment plan. Start with a scenario, not an assumption.

Send your Wisconsin scenario