Can I count projected rental income?

Usually yes! Lenders typically allow you to use 75% of the projected rental income from the property you are buying to help offset the DTI impact of the new mortgage.

Why is the tenant threshold 30%?

The standard affordability rule of thumb is that housing costs should not exceed 30% of gross income, which translates directly to requiring the tenant's gross income to be at least roughly 3 times the rent.

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Debt-to-Income (DTI) Calculator

Calculate the DTI ratio for your prospective tenants to gauge their affordability.

Income Sources

Gross Monthly Income (Job/Salary)

Existing Rental Income

Projected Rental Income (New Property)

Debt Obligations

Existing Monthly Debts (Loans, Cards, Mortgages)

Projected New Mortgage

Back-End DTI (Total Debt / Total Income)30.7%

Excellent — most lenders will approve strongly

Front-End DTI (New Mortgage / Personal Income)18.3%

Total Calculated DebtS$2300

Total Calculated IncomeS$7500

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Frequently Asked Questions

Front-end DTI only compares your housing payment (mortgage) to your income. Back-end DTI includes all required monthly debt payments (credit cards, cars, combined housing). Lenders prioritize the Back-End DTI.

Affordability

Estimate how much you can afford to borrow for your next investment.

Buy vs Rent

Compare long-term wealth growth between buying property and renting.

Disclaimer: These calculators are provided for preliminary educational estimations and screening purposes only. Actual real estate figures may vary significantly based on shifting local legislation, specific regional tax requirements, dynamic interest rates, and volatile market conditions. Always consult with a certified financial advisor, tax specialist, or legal professional before executing any binding investment decisions or assuming financial risk.