South Dakota DSCR Loan Calculator
Screen a South 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 South Dakota; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
South Dakota DSCR assumptions
The calculator seeds South Dakota with a starting property value of $245,000.00, starting rent of $950.00, annual property tax based on a 1% effective rate, and estimated annual insurance of $2,692.00.
STR note: No statewide restrictions. Rapid City and Black Hills area have some STR regulations given tourism activity. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Sioux Falls/Minnehaha County (largest, fastest-growing, diversified economy — banking/finance/healthcare, hybrid). Rapid City/Pennington County (Black Hills gateway, tourism/military, hybrid/STR). Aberdeen/Brown County (regional hub, affordable cash flow). Brookings/Brookings County (SDSU university market, stable).
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