Maximum loan from rent

Maximum loan amount supported by rent

Convert the maximum monthly payment into a loan amount using the interest rate and years to pay off the loan.

  • No login or lender routing
  • Numbers stay in this browser
  • Built for a 10-second deal screen
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Work backward to the maximum loan

Estimated maximum loan
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Change an input to test the deal.

Max P&I payment—
Maximum total monthly payment—
Estimated loan % (LTV)—
Cash down—

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

Formula

Maximum monthly payment converted to a loan amount

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

Interest-only periods, lender fees and early-payoff rules can change the final loan. Confirm the lender's actual payment schedule.

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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 monthly payment converted to a loan amount. 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?

Interest-only periods, lender fees and early-payoff rules can change the final loan. Confirm the lender's actual payment schedule.