DSCR Direct

Before you commit to a DSCR loan, you need to know exactly what the monthly payment will be. The rate is one number, but the payment is what actually hits your bank account every month. Below are detailed payment examples across different loan amounts, rates, and structures so you can estimate your costs before you even run the numbers through a pricer.

Monthly P&I at a $200,000 Loan Amount

At $200,000 over 30 years: 6.0% = $1,199/month, 6.5% = $1,264/month, 7.0% = $1,331/month, 7.5% = $1,398/month. Each half-percent increase in rate adds about $65-70/month at this loan amount. For a property in the $260,000-$270,000 range (75% LTV), you'd typically see taxes around $200-$300/month and insurance around $120-$160/month depending on the state. That puts your full PITIA at roughly $1,520-$1,750/month across these rate tiers.

Monthly P&I at a $300,000 Loan Amount

At $300,000 over 30 years: 6.0% = $1,799/month, 6.5% = $1,896/month, 7.0% = $1,996/month, 7.5% = $2,098/month. The spread between 6.0% and 7.5% is nearly $300/month. On a property valued around $400,000, taxes and insurance typically add $400-$550/month, bringing total PITIA to $2,200-$2,650. To hit a 1.0 DSCR at the 7.0% rate, you'd need approximately $2,500/month in rent. At 6.0%, that drops to about $2,250/month. The rate directly impacts whether a deal pencils out.

Monthly P&I at a $500,000 Loan Amount

At $500,000 over 30 years: 6.0% = $2,998/month, 6.5% = $3,160/month, 7.0% = $3,327/month, 7.5% = $3,496/month. At this loan size, every 0.125% in rate equals roughly $40/month or $480/year. That's why shopping multiple lenders matters so much - a 0.25% rate difference saves you nearly $1,000/year. On a $650,000-$700,000 property, taxes and insurance might add $700-$1,000/month. You're looking at total PITIA of $3,700-$4,500 depending on location and rate.

Interest-Only Payment Comparison

Some DSCR lenders offer interest-only payments for the first 5 or 10 years. The difference is dramatic. At $300,000 and 6.5%: 30-year amortizing P&I = $1,896/month, interest-only = $1,625/month - a savings of $271/month. At $500,000 and 6.5%: amortizing = $3,160/month, interest-only = $2,708/month - a savings of $452/month. Interest-only improves your DSCR ratio significantly and maximizes monthly cash flow. The tradeoff is you build zero equity through payments during the IO period. For investors focused on cash flow and planning to sell or refinance within 5-7 years, IO can make a lot of sense.

30-Year vs. 40-Year Term

A 40-year term is available from some DSCR lenders and reduces the monthly payment compared to 30-year. At $300,000 and 6.5%: 30-year P&I = $1,896/month, 40-year P&I = $1,775/month - a savings of $121/month. The savings are modest because the extra 10 years of amortization don't reduce the payment as dramatically as people expect. You also pay significantly more interest over the life of the loan. The 40-year term is most useful when you need to clear a DSCR threshold - if a property comes in at 0.97 DSCR on a 30-year term but 1.03 on a 40-year term, the longer amortization saves the deal.

The Full PITIA Picture

P&I is only part of the payment. Taxes and insurance vary enormously by location. Texas has property taxes around 1.8-2.5% of value - on a $400,000 property, that's $600-$833/month in taxes alone. Florida runs 0.8-1.1%, or $267-$367/month on the same property. Insurance is another wild card - $100/month in the Midwest, $300+/month in coastal Florida or Texas. Always estimate PITIA, not just P&I, when evaluating a deal. The DSCR ratio uses PITIA (plus HOA if applicable), so that's the number that matters for qualification.

How to Get Your Exact Payment

These tables give you ballpark numbers, but your actual payment depends on your specific rate, which is driven by FICO, LTV, DSCR, prepay penalty, loan amount, and property type. The fastest way to see your exact monthly P&I is to run your scenario at dscrdirect.net. Enter the loan amount, property details, and credit profile, and you'll see the rate and corresponding payment from hundreds of lenders in seconds. From there, add your estimated taxes and insurance to get the full PITIA. No account or personal information required.