Invest with TiairaDSCR & investor loans

Interactive · estimates only

Will this rental qualify? Run the DSCR.

Plug in the deal. You’ll see the full payment, the ratio, and which band it lands in. Every number is an estimate built from your assumptions — the rate box is yours to set and is not an offer. When it looks close, text Tiaira the address and she’ll run it with real taxes and real pricing.

The deal

Term

The property

Real-world cash flow (optional — lenders don’t count these, you should)

Debt service coverage ratio

1.19

Qualifies — rent covers the payment.

Full monthly payment (PITIA)

Principal & interest$0
Taxes$0
Insurance$0
HOA$0
PITIA$0
Gross rent$0
Rent − PITIA (lender view)$0
− management & reserves$0
Your estimated cash flow$0

Deal math

Loan amount$0
Down payment (cash)$0
Rent needed for 1.00$0
Rent needed for 1.25$0
Gross rent multiplier0
Cash-on-cash (before reserves)0%
💬 Text Tiaira these numbersApply with Tiaira →

Calculator results are estimates for illustrative and educational purposes only. They are not a quote, rate lock, pre-qualification, pre-approval or commitment to lend, and accuracy is not guaranteed. The interest rate you enter is an assumption, not an offer; actual rates, payments, taxes, insurance, HOA dues, rents and qualifying ratios vary by scenario and program. Contact Tiaira for figures specific to your situation. Cash-on-cash and gross rent multiplier are investment analysis conveniences, not underwriting figures. Closing costs, rehab and furnishings are not included. DSCR loans are business-purpose loans secured by non-owner-occupied investment property. They are not available for a primary residence or second home, and consumer-protection rules that apply to owner-occupied mortgages may not apply.

What the calculator is doing

Three numbers, one ratio

  1. Loan amount = price − down payment. Principal & interest comes from the loan amount, your rate assumption and the term (or interest-only).
  2. PITIA = P&I + taxes ÷ 12 + insurance ÷ 12 + HOA. Use non-homestead taxes — investment property is taxed higher in Minnesota.
  3. DSCR = gross rent ÷ PITIA. Lenders typically want 1.00+; some programs accept less with adjustments.

The “your cash flow” line subtracts management and a vacancy/maintenance reserve. Lenders don’t underwrite those. You should.

calc says 1.04. is that a yes or a maybe?
It’s a ‘send me the address.’ Taxes and insurance are the swing. If the real figures hold, 1.04 qualifies on most programs — just with less cushion than I’d like for you.

Numbers look close? That’s when to text.

Tiaira will pull the actual tax bill and insurance quote and price the deal properly — usually the same day.

💬 Text Tiaira: 651-334-9049Apply with Tiaira →