DSCR calculator for Rochester rentals
See if a Rochester rental covers its loan the way a DSCR lender will. We prefilled Monroe County's average property tax rate. Swap in your own numbers.
Your Rochester 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.
Property taxes swing widely across New York
The same $250,000 rental renting for $2,100 lands at a different DSCR depending on where it sits, because taxes are part of the payment a lender counts.
| Area | Average tax rate | Taxes per month | DSCR |
|---|---|---|---|
| New York City (1–3 family) | 0.70% | $146 | 1.31 |
| Albany County | 1.77% | $369 | 1.15 |
| Erie County (Buffalo) | 1.98% | $412 | 1.12 |
| Onondaga County (Syracuse) | 2.44% | $508 | 1.07 |
| Monroe County (Rochester) (this page) | 2.63% | $548 | 1.05 |
Average effective rates on owner-occupied homes from Census Bureau American Community Survey data. Rentals don't get STAR exemptions, so investor bills can run higher. Example: 25% down, 7.50% rate, 30-year loan, $150 a month for insurance and HOA.
What to check on a Rochester DSCR deal
- Rentals don't get New York's STAR exemption, so expect a tax bill above what an owner-occupant pays.
- Rates vary by town and school district even within a county. Use the actual tax bill or assessment for the address.
- Many New York cities require rental registration or inspections. Check the rules before you close.
- Monroe County has one of the highest effective tax rates in the state, so the tax bill can decide whether a deal clears 1.25. Rochester also has strict lead-paint rules for older rentals.
Want it checked for you? The $29 report pulls comparable Rochester rentals, the real taxes and insurance, and flags what a lender would. See a sample.