Coverage

—

qualifying DSCR vs threshold

0target

Payment (PI)—

PITIA (PI+tax+ins+HOA)—

Cash flow /mo (after debt)—

Cap rate—

True DSCR (NOI ÷ debt service)—

—

The property

Neighborhood / label (no full address)

Purchase price

$

Down payment

$30%

Gross monthly rent

$

Rate

% / yr

Term

yrs

Insurance / mo

$

HOA / mo

$

Taxes / mo (auto)

$

Operator & thresholds

Operator name

NMLS #

Contact

Qualifying DSCR threshold

Max LTV

%

Tax rate (of price/yr)

%

Vacancy (true DSCR)

%

Mgmt (true DSCR)

%

Maint (true DSCR)

%

Thresholds and rates are editable inputs, never fixed law. CA tax default is purchase price × rate on sale-price reassessment (Prop 13), not the seller's current bill. Insurance is manual (fire-zone). Verify every figure before relying on it.

Estimates only. Not a commitment to lend. Rates and terms subject to change, credit approval, and underwriting. Figures based on user-entered assumptions. Qualifying DSCR = rent ÷ PITIA; it excludes vacancy, management, and maintenance, which the True DSCR includes. The gap is why a deal can “qualify” and still run thin. Models properties, not people: enter no borrower names, SSNs, or account numbers.

Financing available. Enter NMLS # to enable sharing.

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