Ohio DSCR Loan Calculator
Screen a Ohio 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 Ohio; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Ohio DSCR assumptions
The calculator seeds Ohio with a starting property value of $210,000.00, starting rent of $1,050.00, annual property tax based on a 1.36% effective rate, and estimated annual insurance of $1,038.00.
STR note: No statewide restrictions. Columbus, Cleveland, and Cincinnati have STR ordinances. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Columbus/Franklin County (fastest-growing major OH city, Intel fab nearby, strong hybrid market). Cleveland/Cuyahoga County (top 5 cash flow market nationally, very affordable, institutional SFR market). Cincinnati/Hamilton County (diversified economy, Midwest hub, hybrid). Dayton/Montgomery County (affordable cash flow, Wright-Patterson AFB, medical). Toledo/Lucas County (very affordable, manufacturing, high cash flow yields). Akron/Summit County (affordable, medical, cash flow).
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