Single-family rentals · Section 8 rent · DSCR

See what the rent does to the deal.

Cashflow Coach helps you think through the numbers behind a DSCR rental-property deal. For a Section 8 single-family rental, compare the documented HAP contract rent with the appraiser’s Form 1007 market-rent estimate and see how each changes the ratio.

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Hypothetical reference example

Same house. Two rent figures.

Form 1007 market rent: $1,650
HAP contract rent: $1,950

Reference values are hypothetical examples, not a quote or lender decision.

A useful comparison

Start with the rent on paper.

DSCR here means monthly rent divided by the worksheet’s estimated principal, interest, taxes, insurance and HOA. A lease or housing-assistance payment (HAP) contract and a Form 1007 market-rent opinion can show different monthly rent amounts, so the estimated DSCR can change when you change the rent input.

Editable educational worksheet

Change an assumption. Follow the math.

The supplied reference’s hypothetical example is loaded to start. Edit the deal inputs to compare rent treatments and see an educational estimate update as you type.

Fictional sample deal

An editable deal worksheet

This made-up property and its loan and rent assumptions are an educational example. Every field is editable; reset restores all original sample assumptions. Your changes produce estimates only.

Borrower and property

Borrower or entity nameSample Investor LLC is a hypothetical example.Property address1234 Example Ave is a hypothetical address.

BedroomsPurchase price

Loan and monthly costs

Down paymentAnnual interest rateThe reference example uses a hypothetical fixed rate.Amortization termProperty taxes / yearInsurance / yearHOA / month

Compare monthly rent

Enter the full HAP contract amount, including the housing authority and tenant portions, alongside the Form 1007 market-rent figure.

Lease / HAP contract rentHypothetical PDF example: $1,950 / month.Form 1007 market rentHypothetical PDF example: $1,650 / month.

Educational estimate · no approval verdict

Estimated payment and loan amount

Loan amount: $128,000.00
Principal & interest / month: $873.19
Taxes / month: $333.33
Insurance / month: $125.00
HOA / month: $0.00
PITIA estimate: $1,331.52

PITIA here adds estimated monthly principal and interest, property taxes, insurance and HOA. The worksheet divides entered rent by this amount.

Same inputs, different rent assumptions

DSCR scenario comparison

Form 1007 market rent

1.24x

Rent used: $1,650.00

Lease / HAP contract rent

1.46x

Rent used: $1,950.00

Lower-of comparison

Uses the lower of contract rent and Form 1007 rent, as in the reference example.

Rent used$1,650.00

DSCR estimate1.24x

125% reference cap illustration

Uses contract rent up to 125% of Form 1007 rent, matching the reference’s capped illustration.

Rent used$1,950.00

DSCR estimate1.46x

The lower-of and 125% cap comparisons reproduce hypothetical examples in the supplied PDF. They are educational formulas, not a statement of any lender’s current policy or a prediction of how a lender will treat a deal.

Educational analysis summary

With the current inputs, Form 1007 rent of $1,650.00 gives an estimated 1.24x DSCR; contract rent of $1,950.00 gives 1.46x. The ratio changes with the rent figure entered. This is an educational calculation, not a lender decision.

Educational information only. This worksheet is not a loan offer, approval, pre-approval, or commitment to lend. Only a licensed lender can issue pre-approval after reviewing the file. User-entered results are estimates only.

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