DSCR calculator for San Antonio rentals
See if a San Antonio rental covers its loan the way a DSCR lender will. We prefilled Texas's average property tax rate. Swap in your own numbers.
$2,400Monthly rent
$2,073Full monthly payment
1.16Your DSCR
Checking
Your San Antonio 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 Texas 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 (this page) | 1.40% | $350 | 1.16 |
| Georgia | 0.79% | $198 | 1.25 |
| Florida | 0.78% | $195 | 1.25 |
| Tennessee | 0.52% | $130 | 1.30 |
| Arizona | 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 San Antonio DSCR deal
- Texas has no state income tax and leans on property taxes instead, so its average rate is among the highest in the country.
- Your bill stacks county, city and school district rates, sometimes with special districts on top. Rentals don't get the homestead exemption, so use the actual rate for the address from the county appraisal district.
- Because taxes take such a big bite, the same rent covers less loan here than in lower-tax states. Run the numbers with the real tax figure before you offer.
- San Antonio addresses can fall in different school districts with different rates, so look up the exact address.
Want it checked for you? The $29 report pulls comparable San Antonio rentals, the real taxes and insurance, and flags what a lender would. See a sample.