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Real Estate Investor ROI & DSCR Calculator
Too many investors guess at their numbers and hope the deal works. Guessing is how good people overpay, come up short at closing, or get stuck with a rental that bleeds cash. I built this calculator so you can see your DSCR, cash-on-cash return, flip profit and cap rate in plain numbers before you commit. Don’t Beg the Bank! Know your numbers and walk in strong.
DSCR Calculator
Example values, replace with your own.
Your Results
Results are estimates only, for educational purposes, and are not a commitment to lend. Subject to credit approval. Terms vary. This is not a commitment to lend.
Cash-on-Cash Return Calculator
Example values, replace with your own.
Your Results
Results are estimates only, for educational purposes, and are not a commitment to lend. Subject to credit approval. Terms vary. This is not a commitment to lend.
Fix and Flip Profit Calculator
Example values, replace with your own.
Your Results
General education: lenders size these loans off the purchase price, the rehab budget and the ARV. Leverage varies by program and by the investor's experience.
Results are estimates only, for educational purposes, and are not a commitment to lend. Subject to credit approval. Terms vary. This is not a commitment to lend.
Rental ROI and Cap Rate Calculator
Example values, replace with your own.
Your Results
Results are estimates only, for educational purposes, and are not a commitment to lend. Subject to credit approval. Terms vary. This is not a commitment to lend.
Want a second set of eyes on your deal? I will walk through your numbers with you.
CALL KEVIN TODAY! (480) 915-8690Investor Calculator FAQ
What is DSCR?
DSCR stands for debt service coverage ratio. It is the property’s annual net operating income divided by its annual debt payments. A DSCR of 1.20 means the property earns $1.20 for every $1.00 of loan payments.
What is a good DSCR?
Below 1.0 means the rent does not cover the debt. About 1.0 to 1.2 is tight. Many investor loan programs often look for 1.20 to 1.25 or higher, but every program sets its own terms and approval is never guaranteed.
What is the difference between cash-on-cash return and ROI?
Cash-on-cash return looks only at the yearly pre-tax cash flow divided by the cash you put in. ROI is broader and can include principal paydown, appreciation and profit at sale, so it tells a fuller story of total return.
How do lenders typically size fix and flip loans?
In general, lenders size fix and flip loans off the purchase price, the rehab budget and the after repair value (ARV). Leverage varies by program and by the investor’s experience. Points are usually charged up front on the loan amount.
What is a cap rate?
Cap rate is net operating income divided by the purchase price. It shows the property’s return as if you bought it all cash, which makes it easy to compare properties side by side.
Results are estimates only, for educational purposes, and are not a commitment to lend. Subject to credit approval. Terms vary. This is not a commitment to lend.