Ardi KotoniSenior Mortgage Planner / Underwriter
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Property Cash-Flow Coverage

Illustrate net property cash flow divided by property debt service.

Reviewing a rental property in Winthrop or elsewhere in Massachusetts calls for the income, expenses, and debt payments for that property. Use this illustration to organize a conversation with Ardi, who also works with investors purchasing in New Hampshire and Florida.

Illustrate property cash flow

Property cash-flow coverage

Divide an annual net-cash-flow scenario by annual debt service for the same period. This is an educational illustration—not a lender's DSCR calculation.

Property income less the operating costs and reserves you choose to include, before debt service.Enter this amount in U.S. dollars.
Use the total annual property-debt payments for the same period.Enter this amount in U.S. dollars.

Illustrative coverage ratio

1.25×

The net cash flow entered is greater than the debt service entered.

A 1.00× result only means the two figures entered are equal. It is not a pass, fail, or eligibility decision. Program methodology and required components vary.

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Ardi Kotoni seated at his desk in a navy blazer

Start With A Conversation

Let’s look at your options.

Discuss your home purchase or refinance in Massachusetts, New Hampshire, or Florida directly with Ardi in Winthrop. Start with your goals, property, and timing.

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Direct:(781) 502-1161·akotoni@msamortgage.com

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