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Washington DSCR calculator

TL;DR: Enter the monthly rent, yearly property taxes and insurance, monthly HOA dues, and the loan amount, rate and term from your own quote. The calculator divides rent by the full payment (PITIA) to show your DSCR and explains what it means. A ratio of 1.00 or higher means the rent covers the payment.

Rent

Use the signed lease, or the market rent an appraiser is likely to support. Washington generally bars rent increases in the first 12 months of a tenancy, so do not count on a quick bump.

Carrying costs
Loan

Type the rate from a quote you actually received. This field is never prefilled.

Getting Washington inputs right

  • Rent: the signed lease, or market rent an appraiser can support. Washington generally bars increases in the first 12 months of a tenancy.
  • Taxes: the county assessor's value and levy for the exact parcel, not the seller's exemption-reduced bill.
  • Insurance: a landlord quote, plus earthquake or flood premiums if you will carry them.
  • Dues: condo or HOA dues, and any announced special assessment.
  • Rate: the field is blank on purpose. Type the rate from a quote you received.

Ratio under 1.00 in Puget Sound? Read six levers for making the DSCR math work.

Related pages

Have a Washington rental in mind?

Send the scenario once. We shop business-purpose DSCR programs from wholesale lenders and come back with the options that fit the property, west or east of the Cascades.

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