Pragmatic Mortgage | We're the mortgage company that doesn't want you to have a mortgage.

Gross rent (monthly)

Other income

Parking, laundry, storage, or ancillary income.

Vacancy allowance (%)

Operating expenses

Maintenance, management, utilities, insurance, etc.

Replacement reserve

Monthly reserve for capital expenditures.

Mortgage principal & interest

Taxes & insurance

Other property debt

HELOC interest, second liens, or unsecured property debt.

Portfolio NOI (monthly)

Existing net operating income from other properties.

Portfolio debt service

Monthly obligations from other properties.

Target DSCR

Common lender targets fall between 1.10x and 1.25x.

DSCR / NOI analyzer