Edge Home Finance · Investor Tools

DSCR calculator.

Plug in a Houston rental and instantly see your Debt-Service Coverage Ratio, monthly cash flow, and cash-on-cash return. Used by lenders to qualify DSCR loans without tax returns.

The deal

Houston defaults: ~2.2–2.7% effective property tax (no state income tax). Insurance is higher than the U.S. average due to wind/hail; budget $1,800–$3,500/yr on a single family. Vacancy assumption 8% (a month of turnover per year).
Your DSCR
1.04
Break-even (≥ 1.00)

Property covers its debt — eligible on most programs with standard pricing.

Monthly breakdown
Principal & Interest$2,360
Property Tax$900
Insurance$200
HOA / Flood$0
Monthly PITIA$3,460
Effective Rent$3,312
Cash Flow / month-$148
Investment summary
Loan Amount$337,500
Down Payment$112,500
Closing Costs (est.)$13,500
Total Cash Invested$126,000
Annual Cash Flow-$1,774
Cash-on-Cash Return-1.41%
Break-even Rent$3,761
The property covers its debt. Eligible on standard DSCR — pricing slightly higher than 1.10+ tier.
Ready to scale your portfolio?

Get a DSCR pre-approval from Pierre.

No tax returns. No W-2s. Qualify on the property's cash flow — title in your name or an LLC. Unlimited properties.

Start DSCR Pre-ApprovalApply Online (1003)
How lenders calculate DSCR

DSCR = Gross Monthly Rent ÷ Monthly PITIA. Most programs want ≥ 1.0; the best pricing kicks in at 1.25+.

No personal income docs

DSCR loans qualify on the property's cash flow — no W-2s, paystubs, or tax returns required. Great for self-employed investors.

LLC titling & STR friendly

Title in your name or an LLC. Many programs accept Airbnb / VRBO short-term rental income for the DSCR calc.

EQUAL HOUSING
Equal Housing
Opportunity Lender

Edge Home Finance Corporation · Company NMLS #891464 · 5860 Baker Road, Minnetonka, MN 55345 · (763) 219-8484 · Toll-Free 1-800-595-8560. Loan officer: Pierre Joseph, NMLS #1978260. Verify licensing at the NMLS Consumer Access portal.

Affiliated Business Arrangement Disclosure: Pierre Joseph is a licensed Texas Realtor (#0537207) with Gens Realty, LLC and a licensed Loan Originator (NMLS #1978260) with Edge Home Finance Corporation. Gens Realty, LLC and Edge Home Finance Corporation are separate companies. You are not required to use Edge Home Finance Corporation as a condition for the purchase, sale, or refinance of property. There are other providers of these settlement services, and you are free to shop around to determine that you are receiving the best services and the best rate for these services.

Not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates, terms, and programs subject to change without notice. APR may vary. Edge Home Finance Corporation is licensed in multiple states. Equal Housing Opportunity.