Maximum payment

Maximum monthly loan payment the rent can support

Work backward from the rent your lender will count to find the maximum principal-and-interest payment.

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Payment ceiling

Maximum principal + interest
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Change an input to test the deal.

Maximum total monthly payment—
Fixed costs—
Proposed DSCR—
Room left in monthly payment—

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

Formula

Maximum total monthly payment = rent ÷ DSCR target

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

The maximum loan payment is what remains after taxes, insurance, HOA and other required payments are removed.

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?

Maximum total monthly payment = rent ÷ DSCR target. 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?

The maximum loan payment is what remains after taxes, insurance, HOA and other required payments are removed.