DSCR Loan CalculatorInvestor
Loan Scenario
$
$130,000 (34.2%)
20% — $76,00050% — $190,000
$
Monthly Income & Expenses
$
Market rent — use lease or appraisal
$
Annual ÷ 12
$
Hazard + landlord
$
Monthly Payment — 7.125%
P&I
Taxes
Insurance
Principal & Interest
$1,684/moProperty Taxes
$350/moInsurance
$150/moTotal Monthly (PITIA)
DSCR: 1.37 ($3,000 rent ÷ $2,184 PITIA)
Annual
$26,212/yr
Total interest (30 yr)
$356,347
Rate Options · DSCR Core 7/6 ARM · 30-Day Lock
Click any row to update the payment breakdown and DSCR gauge.
| Rate | Monthly P&I | PITIA | DSCR | Points / Credit | Net Cost |
|---|---|---|---|---|---|
| 6.500% | $1,580/mo | $2,080/mo | 1.44 | -2.914 pts | $7,285 cost |
| 6.625% | $1,601/mo | $2,101/mo | 1.43 | -2.289 pts | $5,722 cost |
| 6.750% | $1,621/mo | $2,121/mo | 1.41 | -1.727 pts | $4,317 cost |
| 6.875% | $1,642/mo | $2,142/mo | 1.40 | -1.164 pts | $2,910 cost |
| 7.000% | $1,663/mo | $2,163/mo | 1.39 | -0.664 pts | $1,660 cost |
| 7.125%★ par | $1,684/mo | $2,184/mo | 1.37 | -0.164 pts | $410 cost |
| 7.250% | $1,705/mo | $2,205/mo | 1.36 | +0.273 pts | $683 rebate |
| 7.375% | $1,727/mo | $2,227/mo | 1.35 | +0.711 pts | $1,778 rebate |
| 7.500% | $1,748/mo | $2,248/mo | 1.33 | +1.086 pts | $2,715 rebate |
| 7.625% | $1,769/mo | $2,269/mo | 1.32 | +1.461 pts | $3,653 rebate |
| 7.750% | $1,791/mo | $2,291/mo | 1.31 | +1.773 pts | $4,433 rebate |
| 7.875% | $1,813/mo | $2,313/mo | 1.30 | +1.836 pts | $4,590 rebate |
| 8.000% | $1,834/mo | $2,334/mo | 1.29 | +2.148 pts | $5,370 rebate |
★ = closest to par after comp and adjustments. Click any row to update payment breakdown. Rebate = credit toward closing costs.
Pricing Math — 7.125%
Base price (rate sheet)102.6740
2-unit LLPA (66% LTV)-1.250 pts
DSCR ratio adj (1.37)+0.250 pts
Price after adjustments101.6740
Broker comp ($4,595 / $250,000 loan)−1.838 pts
Net price → Discount (borrower pays)99.8360 → $410
Comp: 2% capped at $4,595 (purchase). Net price = base + adj − comp.
Price Adjustments Applied
2-Unit LLPA (66% LTV)
-1.250 pts
DSCR Ratio (1.37 > 1.30)
+0.250 pts
State Adj (CO)
+0.000 pts
Broker Comp (purchase cap)
−1.838 pts ($4,595)
Everstream DSCR 1 LLPA sheet · April 6, 2026
$3,000÷$2,184
Scenario
LTV
65.8%
DSCR
1.37
FICO
760
Units
2-unit
State
CO
Purpose
Purchase
Eligibility
- ✓LTV 65.8% — max 75% for 2–4 unit (standard) · max 80% with adjustment
- ✓DSCR 1.37 — min 1.00 required · 1.25+ preferred
- ✓FICO 760 — min 660 for most LTV bands
- ✓DSCR > 1.30 — earns +0.25 pt credit
- ✓2-unit — LLPA applies on 2–4 unit properties
- !Verify 12 months PITIA reserves required for 2–4 unit DSCR
April 6, 2026