Rental qualifier
Model offset, add-back, or dimming strategies to qualify rental income.
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Interactive calculator
Rental qualifier
Quantify rental income contribution and effective debt service for investor deals.
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
Pressure-test the file before you submit it
Investor scenarios usually break on documentation, ratios, or lender fit. Use the guides and broker path below to confirm the file still works after the real constraints show up.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
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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.