Massachusetts DSCR Loan Calculator
Screen a Massachusetts rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Massachusetts; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Massachusetts DSCR assumptions
The calculator seeds Massachusetts with a starting property value of $555,000.00, starting rent of $1,750.00, annual property tax based on a 1% effective rate, and estimated annual insurance of $2,882.00.
STR note: Boston requires STR registration with owner-occupancy requirement for most residential zones (limiting investor STRs). Cambridge has restrictive STR rules. Cape Cod towns vary. Boston STR enforcement has increased. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Greater Boston (Suffolk, Middlesex, Norfolk counties — deep liquidity, extremely high rents, appreciation market). Worcester/Worcester County (most affordable mid-size MA city, hybrid, growing). Springfield/Hampden County (western MA, cash flow, most affordable). Lawrence/Essex County (gateway city cash flow). New Bedford/Bristol County (cash flow, port economy).
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