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The Hogue Team / Orange County DSCR

Will the rent cover the loan?

For OC and Huntington Beach rentals, DSCR asks whether qualifying rent covers PITIA. Run the illustration — then we pressure-test vacancy, management, and CapEx on a real file.

Run the rent-coverage math

7% example rate · 30-year · investment property only

Illustrative DSCR

0.82

Under 1.0 — rent below PITIA

Loan amount$675,000
Principal & interest (P&I)$4,491
+ Property taxes$825
+ Insurance$180
+ HOA$0
Monthly PITIA$5,496
Qualifying rent ÷ PITIA0.82
$4,491Monthly P&I
$5,496Monthly PITIA
-$996Rent − PITIA (not full cash flow)
$675,000Loan amount

Sensitivity (same loan inputs)

Rent −10%DSCR 0.74
PITIA +10%DSCR 0.74

DSCR ≠ investor cash flow. Lender DSCR usually divides qualifying rent by PITIA. Your real return still absorbs vacancy, maintenance, management, and CapEx — run those separately before you buy.

Review my investor plan →

Explore first. We’ll match structure and docs on a real OC / HB rental file.

Educational illustration for investment property only. DSCR formulas, eligible rent, reserves, rates, and overlays vary by lender and change over time. Not a quote, preapproval, underwriting decision, or guarantee. Nick Hogue NMLS #1381754 · (657) 502-9669 · The Hogue Team at CMG Home Loans · Huntington Beach.

The Hogue Team at CMG Home Loans · Huntington Beach · Nick Hogue NMLS #1381754 · (657) 502-9669