Rent vs. loan check

Can the rent cover the loan after taxes, insurance and HOA?

Calculate the ratio after the tax bill, insurance quote and HOA payment are added.

  • No login or lender routing
  • Numbers stay in this browser
  • Built for a 10-second deal screen
01

Add the full monthly payment

Saved locally
02

Test a worse case

0.00x

Rent after lender reduction$0
Total monthly housing payment$0
Monthly money left after payment$0
Extra rent needed$0

Maximum total monthly payment: $0

Educational estimate only — not a loan offer, rate quote or lender approval. Full disclaimer

Formula

Rent the lender will count ÷ total monthly housing payment

Change one assumption at a time. The result updates instantly so you can see which number actually breaks the deal.

Common mistake

Do not miss this

A ratio over 1.00 only means rent covers the payment. Your lender may require 1.20 or 1.25.

Choose the next calculation

What are you trying to solve?

DSCR Test

Compare rent with the full monthly payment.

Payment Ceiling

Find the payment the rent can actually carry.

Maximum Loan

Convert the maximum payment into a loan amount.

Quick answers

Frequently asked

How is this calculated?

Rent the lender will count ÷ total monthly housing payment. Change one assumption at a time. The result updates instantly so you can see which number actually breaks the deal.

What's the most common mistake to avoid?

A ratio over 1.00 only means rent covers the payment. Your lender may require 1.20 or 1.25.