DSCR FROM 5.45%BRIDGE FROM 8.25%TERM SHEETS IN 24HLENDING IN 42 STATES
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The same math our underwriters run — DSCR and flip leverage, live as you type. Estimates only; the term sheet is the real answer.

DSCR calculator

RENT ÷ PITIA
Monthly rent ($)
Purchase price ($)
Down payment (%)
Interest rate (%)
Taxes + insurance ($/yr)
HOA ($/mo)
PITIA = principal + interest + taxes + insurance + association dues, on a 30-year amortization.
YOUR RESULT
1.31
DSCR
Loan amount$337,500
Monthly P&I$2,051
Full PITIA$2,601
Monthly cash flow+$799
Strong file — qualifies for the best tier (from 5.45% with 740+ FICO at ≤65% LTV).
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Fix & flip leverage calculator

90% LTC · 70% ARV
Purchase price ($)
Rehab budget ($)
After-repair value — ARV ($)
Max loan is the lesser of 90% of total cost (Tier 3) and 70% of ARV. 100% of the rehab budget funds through draws.
YOUR RESULT
$337,500
max loan
Total project cost$375,000
Binding constraint90% of cost
Est. cash to close$37,500
Gross spread (ARV − cost)$135,000
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Cash-out refinance

75% LTV CAP
Current value ($)
Current loan balance ($)
Max new loan (75%)$390,000
Pays off existing−$240,000
Cash to you (before costs)$150,000
Subject to the property's DSCR at the new payment. Most programs want 3–6 months seasoning to use current value.
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Cash-on-cash return

USES DSCR INPUTS ABOVE
Other expenses ($/mo)
Est. closing costs ($)
Cash invested (down + costs)$121,500
Annual cash flow$5,992
Cash-on-cash return4.9%
Pulls rent, price, down payment, rate, and taxes/insurance from the DSCR calculator above — vacancy and maintenance live in "other expenses."
Price this purchase
ESTIMATES ONLY — NOT A COMMITMENT TO LEND. FINAL TERMS SET BY UNDERWRITING.