DSCR refinance

Check a rental refinance before you request terms.

Use the calculator to model a refinance loan amount, new rate, monthly payment, net operating income, and DSCR screen.

How to model a refinance

Use the property's current value as the purchase price or property value.
Set the down payment field to the equity percentage you are leaving in the deal.
Enter the expected refinance rate and term.
Use stabilized rent and current monthly operating expenses.

What to watch

A refinance that looks fine at the current rent can still miss a lender's DSCR screen if insurance, taxes, HOA dues, or the final rate are higher than expected. Use the 1.20 and 1.25 rent targets as a cushion check.

Educational estimate only. Actual refinance eligibility, pricing, reserves, LTV limits, and property rules vary by lender.