Lender pressure test
Check if the property can carry the debt.
DSCR is one of the cleanest ways to see whether a rental supports its loan. The public calculator gives the ratio; PropLurk turns that ratio into a saved financing and offer decision.
DSCR Calculator
This is a simplified educational screen. The app adds saved scenarios, offer history, PDF reports, address records, and portfolio context.
Inputs
What this calculator asks for
- Annual NOI
- Loan amount
- Interest rate
- Amortization
- Monthly debt service
Outputs
What you get back
- Annual debt service
- DSCR
- Coverage cushion
- Below-1.00x warning
Worked example
Simple enough to check. Serious enough to challenge.
- Annual NOI: $27,600
- Annual debt service: $21,000
Result: $27,600 / $21,000 = 1.31x DSCR.
The public page is meant to create a directional answer. Before an actual offer, replace each estimate with address-level evidence: rent comps, parcel taxes, insurance quotes, lender terms, inspection findings, and local operating rules.
Why move into PropLurk?
Calculators are useful. Connected deal records are better.
A single output does not tell you what changed, why it changed, what offer it supports, or whether the deal improved after diligence.
- Pair DSCR with cap rate and cash flow
- Stress rates and rent together
- Document lender assumptions
- Generate a deal memo