New Mexico DSCR Loan Calculator
Screen a New Mexico 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 New Mexico; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
New Mexico DSCR assumptions
The calculator seeds New Mexico with a starting property value of $270,000.00, starting rent of $1,100.00, annual property tax based on a 0.63% effective rate, and estimated annual insurance of $2,005.00.
STR note: No statewide restrictions. Santa Fe and Albuquerque have STR ordinances. Santa Fe has historically been restrictive of investor-owned STRs. Santa Fe STR rules are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Albuquerque/Bernalillo County (largest market, most liquid, hybrid). Santa Fe/Santa Fe County (premium appreciation/STR market, arts tourism economy). Las Cruces/Doña Ana County (NMSU university market, affordable cash flow, border economy). Rio Rancho/Sandoval County (Albuquerque suburb, Intel plant, growing). Farmington/San Juan County (oil/gas economy, cash flow).
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