DSCR calculator — North Carolina
North Carolina markets range from fast-growing metros to smaller landlord towns. Default rent inputs are drawn from HUD FMR data—the same purchase price can produce very different outcomes depending on taxes, rents, and financing. 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 North Carolina rentals?
- Most lenders look for DSCR around 1.20 to 1.25, but program terms vary. In North Carolina, use realistic rent near about $1,250/month and include full operating costs (especially 0.62% effective property tax) before sizing leverage.
Real estate investing in North Carolina
Real estate investing in North Carolina
Property tax and insurance details should reflect the specific county and property type. Investors often model a small contingency for turnover and capex on older housing stock.
- Typical 2BR rent
- ~$1,250/mo
- Effective property tax
- ~0.62% of home value
- State income tax
- 3.99% flat
- 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 North Carolina: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator