Iowa Sober Living · DSCR Loan Tool

Pro Forma Calculator

Model DSCR, cash flow, and break-even occupancy for a 7-bed sober living property. Adjust any input and results update instantly.

🏠 Property & Loan
Purchase Price
Down Payment ($) 12.8%
Interest Rate 8.50%
Loan Term (yrs)
Beds
💰 Revenue
Monthly Rent / Bed
Occupancy Rate 85%
📋 Monthly Operating Expenses
Property Tax
Insurance
Utilities
Maintenance
Management
Miscellaneous
📊 Key Metrics
DSCR Ratio
—
—
<1.0 Lender decline
1.0–1.25 Marginal
>1.25 Lender ready
Monthly Mortgage (P&I)
—
Loan: —
Gross Monthly Income
—
at — beds occupied
Net Operating Income
—
Before debt service
Total Monthly Expenses
—
PITIA + operating
Monthly Cash Flow
—
After all expenses
Annual Cash Flow
—
12-month projection
Cash-on-Cash Return
—
Annual CF ÷ down payment
Break-Even Occupancy
—%
Minimum occupancy to cover all expenses. Below this, the property loses money each month.
🧾 Monthly Breakdown
Gross Scheduled Income—
Vacancy Loss (15%)—
Effective Gross Income—
Property Tax—
Insurance—
Utilities—
Maintenance—
Management—
Miscellaneous—
Net Operating Income (NOI)—
Monthly Mortgage (P&I)—
Net Monthly Cash Flow—

Scenario Comparison

Pre-built occupancy scenarios at current inputs. Your active scenario highlighted.

Scenario Beds Occupied Occupancy Gross Income NOI DSCR Monthly CF Annual CF CoC Return

Down Payment Sensitivity

How loan amount, monthly payment, and DSCR shift at different down payments. Current rate and occupancy held constant.

Down Payment % Down Loan Amount Monthly P&I NOI DSCR Monthly CF CoC Return