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See Your Numbers Before You Apply
Drag the sliders. Get a pre-approval estimate, rate range, and cash flow — instantly. No credit pull.
Used to estimate taxes and insurance for PITIA / DSCR.
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Rate range and program matching are informational. Final rate and eligibility determined by full application and underwriting. Business-purpose investment property only.
Reading the result
Three numbers move your DSCR, and they are not equally easy to change.
- Loan amount is the lever you control completely. Every $10,000 less borrowed cuts roughly $67 a month off P&I at 7.125% on a 30-year term. Dropping from 80% to 75% LTV on a $400,000 property adds roughly 0.05 to a typical ratio.
- Structure is the second lever. Interest-only or a 40-year amortization lowers the payment and lifts the ratio without more cash down. Both require 680+ FICO and cap at 75% LTV on purchase. See requirements.
- Rent is mostly out of your hands at underwriting. If the property is vacant, the appraiser's Form 1007 sets it. If a lease is in place below market, the lender uses the lower figure — which is why buying a property with a below-market tenant in place can price worse than buying it empty.
Worked example
A $400,000 fourplex in a Hudson Valley market, 25% down, $300,000 loan at 7.125% on a 30-year fixed. Taxes $9,200, insurance $2,400, no HOA. Four units at $1,150 each, $4,600 gross.
| Line | Monthly |
|---|---|
| Principal & interest | $2,021 |
| Taxes | $767 |
| Insurance | $200 |
| HOA | $0 |
| PITIA | $2,988 |
| Gross rent | $4,600 |
| DSCR | 1.54 |
That file prices at the best tier with room to spare. Note what DSCR does not measure: vacancy, management, maintenance, or capital expenditure. A 1.54 DSCR and a genuinely profitable property are different questions — run the second one on the cash flow and returns calculator.
Turn the number into a term sheet
If your ratio clears 1.00, we can usually structure it. If it does not, we can usually tell you what would.
Get a term sheet Call (914) 266-0725This calculator is an estimating tool for education only. Results are not a quote, a rate lock, a pre-approval, or a loan commitment. Actual PITIA depends on the appraised value, the tax assessment following transfer, the bound insurance premium, and lender-specific escrow requirements.