DSCR calculator for Tampa rentals
See if a Tampa rental covers its loan the way a DSCR lender will. We prefilled Florida's average property tax rate. Swap in your own numbers.
$2,400Monthly rent
$1,918Full monthly payment
1.25Your DSCR
Checking
Your Tampa 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 Florida 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 (this page) | 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 Tampa DSCR deal
- Florida has no state income tax.
- Rentals don't get Florida's homestead exemption, and a sale resets the assessed value, so your tax bill can land well above the seller's. Check the county property appraiser's estimate for the address before you offer.
- Get a landlord insurance quote early. Premiums vary a lot across Florida, and insurance alone can decide whether a deal clears 1.25.
- Flood zones matter in the Tampa Bay area: flood insurance can be required by the lender and adds to the monthly payment.
Want it checked for you? The $29 report pulls comparable Tampa rentals, the real taxes and insurance, and flags what a lender would. See a sample.