Mexico Mortgage TDS Calculator
Run a CAD Total Debt Service estimate for Mexico residential financing — personal income, existing rents, subject STR via DSCR, and room to buy.
LendCity™ Mortgages
Mexico Mortgage TDS
Mexico Mortgage TDS Estimator
Personal income (CAD)
LendCity™ Mortgages
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Note: Estimates only as of November 2026. Subject rent/STR strengthens TDS via a vacancy-adjusted add-back and is also shown as DSCR alongside personal income. Final approval depends on full underwriting.
Mexico program estimate defaults
All monthly debts ÷ qualifying income
Min equity ~$50k CAD
Editable; not a quote
Vacancy haircut applied first
Their debts stay in TDS
Soft gate when score entered
How this Mexico TDS calculator works
Enter income, debts, existing rentals, and the Mexico purchase. Get an instant pass/fail estimate with room to buy.
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Income
Add gross employment/pension income, other income, and an optional credit score.
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Debts & portfolio
Enter monthly consumer debts and any existing rental properties (50% rent add-back).
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Purchase & results
Set price, down payment, rate, amort, and subject rent. See TDS, DSCR, and room to buy.
How Mexico mortgage TDS is estimated
This tool mirrors publicly described Mexico cross-border residential program criteria for Canadians and Americans. Results are educational estimates — final qualification depends on underwriting, appraisal, title/fideicomiso, and full documentation.
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Personal TDS (max 45%)
TDS = (new Mexico P&I + subject housing costs + existing property debts + other monthly debts) ÷ qualifying monthly income.
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Subject rent via DSCR (alongside TDS)
When the Mexico property will generate rent or short-term rental revenue, we also show Debt Service Coverage Ratio next to TDS so you can see how rent supports the file.
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Loan structure defaults
Defaults match commonly published Mexico CAD program marketing and are fully editable.
Related Mexico resources
next steps
- Mexico mortgage financing
Vacation, investment, refinance, and retirement paths
- Mexico investment property
Rental and vacation-rental financing overview
- Mexico vacation home
Second-home purchase financing for Canadians
- Mexico investing guide
Ownership, fideicomiso, and market overview
- Vacation rental financing
STR financing options and ROI considerations
- All calculators
DSCR, MLI, cash flow, and more
Realtor partner embed
Embed this calculator on a partner site with LendCity™ branding retained. The embed route allows cross-origin iframes; the full page stays same-origin framed for security.
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Mexico mortgage TDS FAQ
Estimates for Canadians and Americans exploring Mexico residential financing.
TDS & DSCR
Program assumptions
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