Mortgage payment check

See how the full monthly payment changes rent coverage

Add taxes, insurance and HOA to the proposed loan payment before comparing it with rent.

  • 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

Paying points may lower the payment but uses more cash at closing. Compare the monthly savings with the upfront cost.

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?

Paying points may lower the payment but uses more cash at closing. Compare the monthly savings with the upfront cost.