DSCR Buying Power

The largest purchase price your cash and your target coverage ratio both support. Two ceilings apply at once: how much you can put down and close with, and how much debt the rent will cover at the ratio you set. The lower of the two is the real ceiling.

It tells you which lever to pull. If cash binds, more rent will not help. If coverage binds, more cash will not help beyond raising the down payment enough to shrink the loan.

This site does not publish a threshold it cannot source. Published DSCR minimums vary by lender and by program, and some lenders publish sub-1.00 or no-ratio paths. Set the target to the ratio a specific lender told you they require.

No. It models a price range from the figures you enter. A lender decides loan amount after an appraisal, a credit review, a reserve check, and its own coverage calculation, which may use a different rent figure than yours.

The lower bound leaves room for the costs a model this simple does not know: a lower appraised rent, a higher tax assessment, or a repair discovered during diligence. Treat the top of the range as a ceiling, not a target.