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Rental Property Loan Affordability Calculator

Size an investment property loan against your personal income and debts, before rent is factored in by the lender.

Short answer

Rental Property Loan Affordability Calculator

$428,839Affordable price

Lenders usually cap total debt near 36% of gross income. That leaves $2,300 a month, which borrows about $338,839 — $428,839 with your $90,000 down.

How it's calculated: $2,300 a month at 7.2% over 30 years Adjust the inputs below to recalculate for your own numbers.

Country context

Tailor estimates to 🇺🇸 United States

All math runs in USD. We overlay United States-specific tax and cost assumptions + show local-currency equivalents at an approximate FX rate.

Transfer tax / stamp duty
1.00%
One-time on purchase
Annual property tax
1.10%
of assessed value
Rental income tax
22.0%
indicative effective
Typical mortgage rate
7.00%
Gross yield: 5–9%

🇺🇸 United States note: Property tax varies massively by state (0.3% Hawaii → 2.2% NJ). 1031 exchange can defer capital gains on investment property. Tax rates are national midpoints — they vary by region, residency, and property type. FX shown at an approximate USD reference rate (updated periodically). This is an educational tool, not legal, tax, or investment advice.

New here? Watch it work in 2 seconds — then tweak it for you.
$140,000
$1,900

Car loans, student loans, credit card minimums and child support

$90,000
7.2%
30
Try it like this

Tap a scenario to load realistic numbers, then tweak the sliders.

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Formula used

Affordability formula

Investor loans are underwritten more harshly than primary residences, and many lenders only count a fraction of projected rent toward your income. The calculator applies this formula to your own numbers so the answer reflects your situation rather than a generic example.

Max payment = min(36% × monthly income − debts, 28% × monthly income); Loan = payment × [(1 − (1 + i)^−n) ÷ i]; Price = loan + down payment
Model
Debt-to-income affordability model
Planning benchmark
Investment property loans commonly need 20–25% down and price 0.5–0.9pp above primary rates
Updated
2026
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  data-calculator="rental-property-loan-affordability-calculator"
  data-title="Rental Property Loan Affordability Calculator"
  data-query="annualIncome=140000&monthlyDebt=1900&downPayment=90000&interestRate=7.2&termYears=30"></script>

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Why the rental property loan affordability calculator matters

Investor loans are underwritten more harshly than primary residences, and many lenders only count a fraction of projected rent toward your income. This page turns that decision into a handful of inputs you can defend in a budget review: volume, unit cost, rate of adoption, and time. The output is a planning baseline, not a promise — it tells you whether the idea deserves a vendor quote, a pilot, or a pass.

  • • Biggest swing factor: the deposit requirement on investment loans
  • • Second-order factor: how much projected rent your lender will count
  • • Often ignored: the rate premium on non-owner-occupied loans

What actually changes the answer

the deposit requirement on investment loans moves this number first, then how much projected rent your lender will count. Run a conservative case and an upside case before you commit. If the maths only works in the upside case, treat it as a time-boxed test with a kill date rather than a line in next year's plan.

What to do with the result

Ask which rent-offset percentage your lender applies. It changes the approvable loan more than the rate does.

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FAQ

What does the rental property loan affordability calculator work out?

It applies Max payment = min(36% × monthly income − debts, 28% × monthly income); Loan = payment × [(1 − (1 + i)^−n) ÷ i]; Price = loan + down payment to the values you enter for gross annual income, existing monthly debt payments, down payment / cash available, interest rate, loan term (years). Investor loans are underwritten more harshly than primary residences, and many lenders only count a fraction of projected rent toward your income.

How accurate is this rental property loan affordability calculator?

Ignores rental income entirely, giving you the personal-income-only floor. Lender treatment of rent varies widely. Replace the defaults with your own invoice, usage export, payroll data, statement, or vendor quote before making a commitment — the maths is exact, so the answer is only as good as the inputs you feed it.

Which input should I stress-test first?

the deposit requirement on investment loans. Re-run with a pessimistic value for it; if the decision flips, that assumption is the thing you need real data on before signing anything. After that, check how much projected rent your lender will count and the rate premium on non-owner-occupied loans.

Which scenario should I start from?

Start with the preset closest to your situation — cautious budget, today's numbers, stronger position — then edit the sliders. Presets are realistic starting points, not benchmarks to match, and every change updates the result instantly.

What should I do after running the numbers?

Ask which rent-offset percentage your lender applies. It changes the approvable loan more than the rate does. A useful planning benchmark to compare against: Investment property loans commonly need 20–25% down and price 0.5–0.9pp above primary rates.

Can I share or save this calculation?

Yes. Your inputs are written into the page URL, so copying the link shares the exact scenario you are looking at — the person who opens it sees the same numbers. You can also export the inputs and results to CSV or PDF from the result card and keep it with the rest of your workings.

How this calculator is built

Independently maintained

Written by Sam Doshi and the RevenueLab editorial team. We don't sell the data feeds this tool is built on.

Sourced from primary data

Benchmarks come from public AdSense / Stripe / IRS disclosures and reader-submitted data — never third-party "$X per view" claims. Full methodology.

Last editorial review

Reviewed on a rolling quarterly cycle. Dated reviews are published on the methodology record for each calculator.

Editorial standards

See our editorial policy and disclaimer. Results are estimates, not advice.

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