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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
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Copyright 2026 - All rights reserved. Paragon Pragmatic Lending.
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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Rental qualifier

Model offset, add-back, or dimming strategies to qualify rental income.

Save + compare

Unlock the full calculator suite

Create a free account to save scenarios, compare options, and share results with your broker team.

  • Save unlimited scenarios and track changes over time
  • Compare rate options side by side with broker feedback
  • Export reports for underwriting or renewal planning
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Gross rent (monthly) currency$
Operating expenses (monthly) currency$

Maintenance, management, utilities, insurance, etc.

Mortgage payment (monthly) currency$
Other property debts (monthly) currency$

HELOC interest, second mortgages, or related debt obligations.

Percentage of rental income used to offset the mortgage payment.

Enable when lenders require negative rental to flow through ratios.

Rental qualifier

Quantify rental income contribution and effective debt service for investor deals.

Save scenario

How this calculator works

Estimate how rental income affects qualification and debt ratios.

Use it to model rental offsets and total borrowing power.

Inputs you will need

  • Rental income
  • Mortgage payment estimate
  • Operating expenses
  • Borrower income and debts

Assumptions and limitations

  • Uses standard rental offset percentages.
  • Lender policies vary by program.
  • Results are estimates only.

Example scenarios

Duplex rental

Model owner-occupied plus rental income offsets.

Full rental property

Estimate qualifying income using typical lender offsets.

Related tools

DSCR calculatorInvestment serviceRates explorer

Save and compare scenarios

Create a free account to save scenarios, compare options side by side, and share results with your broker team.

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Frequently asked questions

Do all lenders use the same offset?

No. Offsets vary by lender and property type.

Is DSCR required?

Some lenders use DSCR for investors. Use the DSCR calculator as well.

Can projected rent be used?

Some lenders accept market rent appraisals, but not all.