North Dakota DSCR Loan Calculator
Screen a North Dakota 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 North Dakota; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
North Dakota DSCR assumptions
The calculator seeds North Dakota with a starting property value of $240,000.00, starting rent of $950.00, annual property tax based on a 0.92% effective rate, and estimated annual insurance of $2,334.00.
STR note: No statewide restrictions. Limited STR ordinances in major cities. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Fargo/Cass County (largest, most diverse economy, NDSU university market, hybrid). Bismarck/Burleigh County (state capital, government/medical stability, cash flow). Grand Forks/Grand Forks County (UND university market, military — Grand Forks AFB, cash flow). Minot/Ward County (military — Minot AFB, Bakken oil proximity, cash flow). Williston/Williams County (Bakken oil field — high volatility, boom/bust market).
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