DSCR calculators & tools
26 free interactive calculators built for real-estate investors. No email walls, no lead bait. Run the numbers first — we'll shop lenders when you're ready.
DSCR qualification
Run the numbers against lender thresholds before you write an offer.
DSCR Ratio Calculator
Calculate your DSCR in seconds. See pass/fail by lender tier.
Qualification Estimator
Rate range, LTV cap, approval probability — with profile strengths & weaknesses.
Max Loan Amount Calculator
Back-solve the largest loan your rent supports at 0.75 / 1.00 / 1.25 DSCR.
Rent-to-PITIA Qualifier
Required rent to hit 1.00, 1.10, and 1.25 DSCR. Quick screener.
DSCR at Different Rates
DSCR at the published 30-year fixed LTV cells. See which cells still clear 1.25.
Mortgage Payment + DSCR
P&I, PITIA, and DSCR on a single screen. Fastest sanity-check tool.
Deal analysis
Evaluate a property's returns before and after financing.
Cap Rate & NOI Calculator
Full income waterfall → NOI → cap rate with market tier benchmarks.
Cash-on-Cash Calculator
Total cash invested vs annual net flow. Tiered verdict.
1% & 50% Rule Screener
Quick screen: does the deal clear the classic REI rules of thumb?
LTV / CLTV Calculator
Combined LTV with subordinate liens, HELOC, or seller seconds.
Debt Yield Calculator
NOI ÷ loan amount — the 5+ unit commercial lender benchmark.
DSCR vs Conventional
Side-by-side qualification, rate, LTV, and lifetime-cost comparison.
Strategy & refinance
Time your refi, model BRRRR, and break even on points or PPPs.
BRRRR Strategy Modeler
Full Buy-Rehab-Rent-Refi cycle with DSCR refi seasoning.
Rehab / ARV Calculator
All-in cost, ARV refi proceeds, cash recycled, equity captured.
Cash-Out Refi Calculator
Max new loan, gross proceeds, net after PPP and closing costs.
Refi Break-Even
Monthly savings, total upfront cost, months to break even.
Refinance Timing Optimizer
Find the optimal refi window given PPP and appreciation.
Points & Buydown
Upfront cost, monthly savings, break-even by holding period.
Prepayment Penalty Analyzer
Model step-down PPPs. Break-even math for no-PPP buydowns.
Portfolio / Blanket DSCR
Blended DSCR across rental portfolio with blanket loan preview.
Loan mechanics
ARM, I/O, amortization, closing costs — the nuts and bolts.
ARM Payment Jump
Payment + DSCR at initial fixed rate vs worst-case first adjustment.
IO vs Amortizing
Payments, total interest, and DSCR boost from interest-only.
Amortization Schedule
Year-by-year principal, interest, and equity build across 360 months.
Property Tax + Insurance Estimator
Tax and insurance cost estimates by state and property type.
Closing Cost Estimator
Itemized closing costs by state: lender fees, title, transfer tax.
STR + DSCR Analyzer
Airbnb income with lender STR haircuts and LTR fallback.