Investor resources
Run the numbers before you apply.
Estimate your DSCR, monthly cash flow, cash-out proceeds and loan payments. Results update instantly as you type.
Loan
Loan-to-value = 100% − down payment
Income & expenses
Used for cash flow only — not DSCR
Used for cash flow only — not DSCR
Your DSCR
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Monthly cash flow
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Cash-on-cash
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DSCR = rent ÷ PITIA. Cash-on-cash assumes ~3% closing costs.
Your property
Enter 0 if owned free & clear
Percent of new loan amount
Where your property value goes
Your current balance plus costs exceeds the max loan at this LTV — a rate/term refinance may be a better fit. Talk to a loan officer.
Estimated cash to you
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Loan details
Amortization schedule (yearly)
| Year | Principal | Interest | Balance |
|---|
Monthly payment (PITI)
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Calculators are for illustrative purposes only and do not constitute a loan offer, quote or commitment. Actual rates, terms, DSCR calculations and eligibility are determined during underwriting and depend on credit, property, and market conditions.
Investor glossary
Terms worth knowing
DSCR
Debt Service Coverage Ratio. Monthly rent divided by PITIA. Above 1.0 means the rent covers the payment.
PITIA
Principal, Interest, Taxes, Insurance and Association dues — the full monthly housing payment.
LTV
Loan-to-Value. The loan amount as a percentage of the appraised value. Lower LTV = better pricing.
Seasoning
How long you’ve owned a property. Cash-out refinances often require 3–6 months on title.
Numbers look good?
Lock in real pricing with a loan specialist — term sheets in about 24 hours.