Rhode Island DSCR Loan Calculator
Screen a Rhode Island 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 Rhode Island; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Rhode Island DSCR assumptions
The calculator seeds Rhode Island with a starting property value of $400,000.00, starting rent of $1,350.00, annual property tax based on a 1.12% effective rate, and estimated annual insurance of $2,960.00.
STR note: No statewide restrictions. Newport, Narragansett, and Providence have STR ordinances. Newport's STR market is strong but regulated. Coastal town STR regulations are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Providence/Providence County (largest market, Brown University/RISD anchor, hybrid). Warwick/Kent County (more affordable, airport proximity, hybrid). Woonsocket/Providence County (most affordable RI market, cash flow). Newport/Newport County (tourism/Navy, premium STR market, appreciation). Pawtucket/Providence County (revitalization corridor, affordable entry).
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