This duplex loses $77 a month at 20% down. A DSCR of 0.97 is short of the 1.25 most lenders ask for.
Where each month's rent goes
- Vacancy$190
- Operating costs$1,425
- Mortgage$2,262
- You cover$77
The math, with your numbers
Every row links to its own calculator, with the formula explained on this same duplex.



