DSCR calculator for Phoenix rentals
See if a Phoenix rental covers its loan the way a DSCR lender will. We prefilled Arizona's average property tax rate. Swap in your own numbers.
$2,400Monthly rent
$1,843Full monthly payment
1.30Your DSCR
Checking
Your Phoenix deal
Example numbers. Type over any of them.
- Principal and interest
- Property taxes
- Insurance and HOA
- Cash flow before repairs
Estimates assume a 30-year fixed loan. Not a loan offer.
How Arizona property taxes move your DSCR
The same $300,000 rental renting for $2,400 lands at a different DSCR in each state, because taxes are part of the payment a lender counts.
| State | Average tax rate | Taxes per month | DSCR |
|---|---|---|---|
| Texas | 1.40% | $350 | 1.16 |
| Georgia | 0.79% | $198 | 1.25 |
| Florida | 0.78% | $195 | 1.25 |
| Tennessee | 0.52% | $130 | 1.30 |
| Arizona (this page) | 0.48% | $120 | 1.30 |
Average effective rates on owner-occupied homes, Tax Foundation 2026 data. Example: 25% down, 7.50% rate, 30-year loan, $150 a month for insurance and HOA.
What to check on a Phoenix DSCR deal
- Arizona has one of the lowest average property tax rates in the country, which helps rentals here cover their payment.
- Rates still vary by county and school district, so check the county assessor's figure for the address.
- Phoenix-area rentals often include HOAs in newer subdivisions; add the dues to the insurance and HOA line.
Want it checked for you? The $29 report pulls comparable Phoenix rentals, the real taxes and insurance, and flags what a lender would. See a sample.