Use our calculators to analyze potential investment properties and determine the best financing options for your needs.
DSCR Loan Calculator
Calculate your Debt Service Coverage Ratio (DSCR) to determine if your property's income can support the loan payments. DSCR loans require a minimum 20% down payment, and a DSCR of 1.25 or higher is typically required for loan approval. Payments are interest-only.
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Tips
Most lenders require a minimum DSCR of 1.25 but we can fight to get your loan approved with the DSCR of 1
DSCR loans are typically interest-only payments
Operating expenses are calculated at 45% of gross rent to include taxes, insurance, maintenance, vacancy, etc.
A DSCR above 1 means the property income covers the debt payments
Higher DSCR ratios indicate better debt service ability
Hard Money Loan Calculator
Estimate your maximum loan amount, monthly payments, and total costs for a hard money loan. Hard money loans typically offer up to 70% of the purchase price with interest-only payments.
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Tips
Hard money loans typically lend 70% of the purchase price
Payments are interest-only with a balloon payment at the end
Most hard money lenders lend based on the property value, not your credit score
Consider renovation costs in your total project budget
Plan your exit strategy before the balloon payment is due