What is the most you can safely pay?

See the price ceiling from two sides: lender rent coverage and investor cash flow after operating costs and reserves.

Property & loan

Purchase or appraised value ($)

Down payment or equity (%)

Interest rate (%)

Use the written rate from the loan scenario you are screening.

Loan term (years)

Rent & housing costs

Gross monthly rent ($)

Use the lender-eligible rent from the lease or appraisal when available.

Property tax ($ / year)

Insurance ($ / year)

HOA dues ($ / month)

Target lender DSCR

Program thresholds vary. Test the requirement in the lender’s written terms.

Investor reality check

These costs do not change the lender-style rent ÷ PITIA ratio. They show whether the property still produces cash after operating costs.

Vacancy allowance (%)

Maintenance (% of rent)

Property management (% of collected rent)

Capital reserves (% of rent)

Other operating costs ($ / month)

Example assumptions only. Replace these numbers with your own.

Your estimated results

—

Calculated from the assumptions on this page.

Lender screen—

Gross rent compared with PITIA.

Investor reality—

Cash flow after vacancy, operating costs and reserves.

Minimum lender rent—For the selected DSCR target

Minimum break-even rent—After investor operating costs

Maximum safe offer—Approximate price for $0 cash flow

Downside check—

Rent −10%, vacancy +5 points, rate +0.75 points, maintenance and reserves +2 points.

This is a screening model, not loan approval. Lenders determine eligible rent, PITIA, minimum ratio, LTV, reserves and program rules. The maximum offer holds taxes, insurance, HOA and other costs unchanged while price changes.

USD · Before income tax and appreciation. Calculation assumptions.

A loan ceiling is not a safe offer

The lender may support more debt than the property can carry profitably. RentCaliber therefore shows a DSCR-supported purchase price and a separate maximum price for approximately zero monthly cash flow.

What stays fixed in the price solver

The calculator changes the price and loan while holding rent, down-payment percentage, taxes, insurance, HOA and operating assumptions unchanged. In a real purchase, taxes and insurance can change after sale, so replace those figures with property-specific estimates.

Leave room for uncertainty

Zero cash flow is a mathematical boundary, not a desirable target. Run the downside scenario and negotiate below the calculated ceiling to create room for repairs, turnover and estimation error.

Read the formulas, sources and limitations