Washington DSCR Loan Calculator
Screen a Washington 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 Washington; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Washington DSCR assumptions
The calculator seeds Washington with a starting property value of $580,000.00, starting rent of $1,750.00, annual property tax based on a 0.75% effective rate, and estimated annual insurance of $2,659.00.
STR note: Seattle requires STR registration with owner-occupancy requirements (limiting investor STRs in residential zones). Other cities (Bellingham, Spokane, Leavenworth) have varying STR ordinances. Seattle STR enforcement is active. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Seattle/King County (largest, most liquid market, tech-driven, appreciation/hybrid). Tacoma/Pierce County (most affordable Puget Sound market, military — Joint Base Lewis-McChord, hybrid). Spokane/Spokane County (eastern WA, most affordable major WA city, cash flow + emerging hybrid). Bellevue/Eastside/King County (tech premium, Amazon/Microsoft, appreciation). Tri-Cities/Benton-Franklin counties (eastern WA, Hanford nuclear site employment, cash flow). Bellingham/Whatcom County (Western Washington University, near Canadian border, hybrid).
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