Louisville, KY DSCR Calculator
Calculate the debt service coverage ratio (DSCR) for any rental property in Louisville. Based on current Louisville market data.
Louisville Market Snapshot
$225,000
$1,150/mo
7%
1.1%
$9,197
0.72
Based on median price, 25% down, 6.5% rate, 30-year term.
Run Your Louisville Numbers
Plug in any Louisville property to get DSCR, NOI, cash flow, and more.
How DSCR Works in Louisville
The Louisville rental market has a median home price of $225,000 and median rent of $1,150/month, which puts the average debt service coverage ratio (DSCR) at roughly 7% for a typical single-family rental. That means for every dollar of property value, you can expect about 7 cents in annual net income before debt service.
With a 25% down payment ($56,250) and a 6.5% mortgage rate, a median Louisville rental generates roughly $9,197/yr in NOI against $12,804/yr in debt service, giving you a DSCR of 0.72. That's below breakeven at median price — look for deals 15-20% below median or properties with above-average rents.