Tennessee DSCR calculator
Compute a rental’s debt service coverage ratio — monthly rent divided by principal, interest, taxes, insurance and HOA dues — and read what the number means. The rate field is blank on purpose: type the rate from a quote you actually hold. This is an estimate, not an offer or an approval.
Property and loan inputs
Coverage result
Enter a rate to see the coverage ratio.
Rent, loan amount and the interest rate you were offered are the three inputs needed. Taxes, insurance and HOA dues then complete the obligation the ratio is measured against.
How to read the result
The ratio compares the rent with the full monthly obligation — not just principal and interest. A ratio of 1.00 means the rent exactly covers the obligation; below that, the property needs cash from you every month. Each wholesale lender sets its own minimum, and floors move with credit, leverage, loan size and property type, so treat any band as orientation rather than a rule.
Two Tennessee-specific inputs deserve real numbers, not guesses: the county tax bill (pull the trustee’s figure for the parcel, especially after a reappraisal) and the insurance premium (storm exposure makes the wind/hail deductible a genuine line item). The guide to how the DSCR ratio works walks through the math with Tennessee examples, and the property tax guide explains how the state’s assessment formula produces the bill.
When the numbers are close, send the scenario instead of guessing: the application takes two minutes, and we model the file against actual wholesale program floors.
Send us the address and the rent.
Tell us the property, the price or current balance, and what you expect it to rent for. You will get a straight reading of which programs the file clears, and what would have to change if it does not.