CalculatorOhio
DSCR calculator — Ohio
Midwest cash-flow markets like Ohio often hinge on purchase price discipline and accurate rent comps. Default rent inputs are drawn from HUD FMR data—stress-test maintenance and capex on older homes. 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 Ohio rentals?
- Most lenders look for DSCR around 1.20 to 1.25, but program terms vary. In Ohio, use realistic rent near about $1,050/month and include full operating costs (especially 1.28% effective property tax) before sizing leverage.
Real estate investing in Ohio
Real estate investing in Ohio
Rust-belt cities can offer stronger yields but higher turnover or rehab risk. Build reserves into your model rather than relying on best-case rent alone.
- Typical 2BR rent
- ~$1,050/mo
- Effective property tax
- ~1.28% of home value
- State income tax
- 2.75% 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 Ohio: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator