DSCR Loan Screen for
Demo Property · West Fargo, ND
Photo hidden on this demo property
Your report shows your property's Street View photo.
Area context (demo location hidden)
Fails: DSCR 0.95x < 1.0 -- rent doesn't cover the debt service at these terms.
AI summary — generated from this report's data
The estimated monthly rent for Demo Property · West Fargo, ND is $2,368, with a range of $2,262-$2,485. At a purchase price of $300,000 with 25.0% down, a 7.0% interest rate, and a 30-year term, the debt service coverage ratio (DSCR) is 0.95x. This indicates that the estimated rent does not cover the annual debt service of $17,963.
The current DSCR of 0.95x is below the 1.0x threshold, meaning the estimated rent of $2,368 does not cover the annual debt service.
To achieve a 1.0x DSCR, a minimum monthly rent of $2,495 would be needed. For a typical lender floor of 1.25x DSCR, a minimum monthly rent of $3,119 would be needed.
The reader should verify the estimated monthly rent of $2,368 against the required rent levels for desired DSCR thresholds.
highThe estimated monthly rent of $2,368 is below the $2,495 needed to achieve a 1.0x DSCR, indicating that the property's estimated income may not cover the proposed debt service.
Advisory read: The data suggests weighing the estimated monthly rent against the minimum rent required to meet desired debt service coverage ratios.
Debt-service coverage ratio
0.95x
at 25.0% down, 7.0%, 30-yr
Estimate confidence
Measures how tightly the underlying data agrees — internal consistency, not verified real-world accuracy.
DSCR at your terms
0.95x
NOI $17,050 / debt $17,963
Loan amount
$225,000
75.0% LTV
Monthly P&I
$1,497
7.0% / 30-yr
Min rent for 1.0x
$2,495
break-even coverage
Min rent for 1.25x
$3,119
typical lender floor
Est. monthly rent
$2,368
range $2,262-$2,485
Coverage verdict
Fails: DSCR 0.95x < 1.0 -- rent doesn't cover the debt service at these terms.
Lender DSCR floors vary (commonly 1.0-1.25x) and may exclude reserves/escrows; confirm with your lender.
Report generated on August 03, 2026. Figures are retrieved live or from a short-lived
cache (up to 30 days for some public-data sources), so a figure may pre-date this report —
each context card states its own data vintage. Comparable recency is shown per comp;
county assessment figures reflect the assessor's latest published tax year; HUD figures
reflect the current published fiscal year.
Rentari IQ rent estimates are informational market references, not pricing instructions. They are generated from your own property data, real comparable market listings, and — where local listing data is limited — AI-estimated market references (clearly labelled as such), never from other landlords' confidential rents, to support your own independent pricing decisions. You set your rents; Rentari does not. Every estimate is an advisory data point, and you remain solely responsible for the rent you charge. Estimates are not appraisals or legal advice and do not account for fair-housing, rent-control, or local pricing laws. Confirm every rent independently and comply with all applicable federal, state, and local requirements.
Disclaimer
This report is for informational purposes only and does not constitute financial, legal, investment, tax, or appraisal advice. Figures are drawn from the public and licensed data sources below and, where noted, AI-generated insights (Google Gemini) — always labelled as such. Please consult qualified professionals before making any decision.
Data sources
Rent comps & listings: RentCast · Property value, tax & assessment: ATTOM Data · Fair Market Rents & income limits: HUD (HUD.gov) · Demographics, income & housing medians: U.S. Census Bureau (American Community Survey) · New-construction supply: U.S. Census Bureau (Building Permits Survey) · Migration & income flows: IRS (Statistics of Income) · Employment, wages & rent inflation: U.S. Bureau of Labor Statistics · Flood zones & natural-hazard risk: FEMA (Flood Hazard Layer, National Risk Index) · Environmental screen & walkability: U.S. EPA (Superfund, AirNow, Walkability Index) · Seismic design values: U.S. Geological Survey · Mortgage market & rates: HMDA / Freddie Mac · Street View & geocoding: Google Maps · AI summaries & AI-estimated comps: Google Gemini (clearly labelled where used) · Your own executed leases: de-identified, from your account only
✦IQ AnalystAnswers only from this report
Ask me anything about this report — I answer only from the data saved in it.
Answers are advisory reads of this report's saved data — not pricing instructions or legal/financial advice.
RentariIQDSCR Loan Screen