CalculatorNew York
DSCR calculator — New York
New York spans NYC-area complexity and very different upstate markets. Default rent inputs reflect statewide HUD FMR data, skewed toward non-NYC markets—narrow inputs to the submarket you are actually buying. Same math as the national DSCR calculator; numbers are educational—not lender instructions.
Frequently asked questions
- What is DSCR for rental property?
- Debt Service Coverage Ratio (DSCR) is annual NOI divided by annual debt service. A DSCR above 1.0 means NOI covers debt payments before tax.
- Is 1.25 DSCR required by lenders?
- Many DSCR lenders target around 1.20 to 1.25, but requirements vary by product, market, and borrower profile. Always confirm current underwriting with your lender.
- Can I save DSCR calculator results?
- This calculator does not save your session. Use a free Veld account to save assumptions, compare scenarios, and track deal performance over time.
- How should I set DSCR assumptions for New York rentals?
- Most lenders look for DSCR around 1.20 to 1.25, but program terms vary. In New York, use realistic rent near about $1,600/month and include full operating costs (especially 1.23% effective property tax) before sizing leverage.
Real estate investing in New York
Real estate investing in New York
Upstate snow and NYC regulation are different worlds. This page does not encode local rent rules; you supply achievable rent and expenses.
- Typical 2BR rent
- ~$1,600/mo
- Effective property tax
- ~1.23% of home value
- State income tax
- Up to 10.9%
- Lender DSCR minimum
- Typically 1.25 — confirm with your lender
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for New York: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator