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The Hogue Team / Orange County rental cash flow

Will an Orange County rental property cash flow?

Lender DSCR asks whether rent covers PITIA. Investors also need vacancy, maintenance, management, and CapEx. This illustration shows both views for OC and Huntington Beach rentals — then we stress-test a real file with you.

Run OC rental cash-flow math

2.5% closing · CapEx $200/mo · 6 mo PITIA reserves · 7% · 30-year

Illustrative monthly cash flow

-$1,977

After vacancy, ops, CapEx reserve, and P&I — not a lender approval.

-8.5%Cash-on-cash (annual CF ÷ cash in)
-$23,719Annual cash flow

Lender DSCR

0.82

Gross rent ÷ PITIA — financing coverage, not profit. Under 1.0 — rent below PITIA

Investor cash flow

-$1,977

Effective gross − tax/ins/HOA/maint/mgmt/CapEx − P&I.

Effective gross (after vacancy)$4,275
Ops (tax, ins, HOA, maint, mgmt, CapEx)$1,761
Principal & interest$4,491
Monthly cash flow-$1,977
Cash invested (down + close + reserves)$280,475

Stress-test monthly cash flow

Vacancy +5 pts-$2,172
Rent −10%-$2,348
Vacancy +5 & rent −10%-$2,525

DSCR ≠ profit. Lender DSCR usually divides qualifying gross rent by PITIA. Your investor return still absorbs vacancy, maintenance, management, and CapEx — this calculator shows both views.

Stress-test a real property with us →

Explore first. We’ll pressure-test vacancy, CapEx, and structure on a real OC / HB rental file.

Educational illustration for investment property only — not investment advice, a quote, preapproval, underwriting decision, or guarantee of returns. Formulas and overlays vary by lender and change over time. 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