60-Second DSCR Deal Filter — Screen Any NYC Rental Deal Fast
Fast pass/fail screening before you waste time on a dead deal.
INVESTOR-GRADE TOOL
Enter your deal's gross rent, purchase price, and down payment — the filter cross-references those inputs against current NYC rental market data from StreetEasy and tells you in under a minute whether the deal is worth a deeper look.
YOUR RESULT
DSCR Ratio
—
Enter deal numbers below
Loan Amount
$0
New Payment (Monthly)
$0
LTV
0%
Monthly Cash Flow
$0
Property & Income
Tip: Use realistic rent and expense numbers. DSCR often fails from optimistic assumptions.
Loan Terms
Default 75%
Baseline assumptions. Some lenders stress-test vacancy at 8–10%.
Deal Metrics
Gross Annual Rent
$0
Less: Vacancy
$0
Effective Gross Income
$0
Less: Expenses
$0
Net Operating Income (NOI)
$0
Annual Debt Service
$0
Annual Cash Flow
$0
Cash-on-Cash Return
0%
Break-Even Occupancy
0%
Quick Verdict
Enter your deal numbers above.
DSCR Quick Reference
- 1.25+ — Strong. Deal absorbs surprises. Proceed to full analysis.
- 1.10 – 1.24 — Marginal. Thin margin. Stress test required.
- 1.00 – 1.09 — Weak. Any variance breaks it. Consider walking.
- Below 1.0 — Does not qualify. Renegotiate or move on.
Protect Your Credit Before Submitting a Deal
Many investors submit DSCR loan applications before fully validating the deal numbers. When that happens, lenders may pull credit and decline the deal because rent assumptions, taxes, insurance, or DSCR calculations don’t meet underwriting requirements.
Each credit inquiry can impact your FICO score and becomes part of your lending history.
Protect your credit by validating the deal first.