DSCR Calculator
Property & Income
$
$
Financing
%
%
Monthly Costs (PITIA)
$
$
$
Contact Info
0.54
DSCR Ratio
Below 1.0 — adjust LTV or rent
Loan Amount
$240,000
Down Payment
$60,000
P&I Payment
$1,200/mo
Total PITIA
$1,850/mo
Monthly Cash Flow
−$850
Monthly Rate
0.500%
| Loan Term | 360 months (30 yr) |
| I/O Period | 10 years, then P&I |
| Note Rate | 6.000% |
| Monthly Rate | 0.500% |
| P&I Payment | $1,200.00/mo |
| Taxes (Monthly) | $500.00 |
| Insurance (Monthly) | $150.00 |
| HOA (Monthly) | $0.00 |
| Total PITIA | $1,850.00 |
| Max Loan @ 1.0× DSCR | — |
| Max LTV @ 1.0× DSCR | — |
| Implied Max Purchase | — |
Insula Capital Group funds DSCR loans with a ratio ≥ 1.0 · 30-year fixed term · 10-year I/O available.
| # | Beg Bal | Payment | Interest | Principal | End Bal |
|---|