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DSCR rental estimator

Free. No sign-up. An estimate, not an offer.

For rentals held in an LLC or corporation. It finds the maximum loan, checks that the rent covers the payment, then shows monthly cash flow. The rate stays blank until you add your own, so nothing here is a quote.

Property
Two quick checks
Is the borrower an LLC or corporation?

These are business-purpose loans to LLCs and corporations.

Will anyone in the borrowing group live in the property?

The property needs to be an investment property no one in the borrowing group will live in.

Units

Not eligible: non-warrantable condos, mixed use, co-ops, condotels, manufactured homes, vacation rentals and similar.

Is it in a rural area?

Underwriting makes the final call using Census data.

Transaction
What are you doing?

Optional. Leverage uses the lower of the price and the appraised value.

Rent
Monthly amounts. A leased unit counts the lower of its lease and its market rent.
Unit 1
Leased now?

Monthly. The appraiser's estimate; use your best guess.

Costs

For the cash-flow view only

A share of gross rent, for the cash-flow view.

A share of gross rent, for the cash-flow view.

Set aside for big repairs; it counts in net cash flow.

You

The lowest mid-score among the guarantors.

Credit score shortcuts
Foreign national?
Pricing

Rates, points and fees come from a personalized quote. Leave them blank to see leverage alone, or enter your own to test the payment.

From 5% to 12%

From 0% to 5% of the loan

Origination and other fees from your quote.

Left blank, 25% of the annual taxes.

Left blank, 100% of the annual premium.

Maximum loan

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