Loan Calculators
Free tools to analyze your deals.
Available Calculators
📊 DSCR Calculator
Calculate your Debt Service Coverage Ratio:
- Enter rental income
- Enter loan terms
- See if you qualify
- Compare scenarios
Formula: DSCR = Net Operating Income / Debt Service
💰 Mortgage Calculator
Standard loan payment calculator:
- Principal & interest
- Amortization schedule
- Total interest paid
- Compare rates
🏠 Cash-on-Cash Return
Measure your return on investment:
- Down payment
- Annual cash flow
- ROI percentage
- Compare properties
Formula: CoC = Annual Cash Flow / Total Cash Invested
📈 Cap Rate Calculator
Evaluate property value:
- Net Operating Income
- Purchase price
- Market cap rates
- Value estimation
Formula: Cap Rate = NOI / Property Value
🔄 BRRRR Calculator
Buy, Rehab, Rent, Refinance, Repeat:
- Purchase + rehab costs
- After-repair value
- Refinance proceeds
- Cash left in deal
🏗️ Fix & Flip Calculator
Analyze flip profitability:
- Purchase price
- Rehab budget
- Holding costs
- Sale price & profit
📋 Loan Comparison Tool
Compare multiple loan offers:
- Side-by-side comparison
- Total cost analysis
- Break-even points
- Best option recommendation
Quick DSCR Reference
| DSCR | Meaning |
|---|---|
| < 1.0 | Property loses money |
| 1.0 | Break even |
| 1.1 | Minimum for most lenders |
| 1.25 | Standard requirement |
| 1.5+ | Strong cash flow |
Example Calculations
DSCR Example
Monthly Rent: $2,500
Monthly Expenses: $500
Monthly NOI: $2,000
Monthly Loan Payment: $1,600
DSCR = $2,000 / $1,600 = 1.25 ✓
Cash-on-Cash Example
Purchase Price: $200,000
Down Payment (25%): $50,000
Closing Costs: $5,000
Total Invested: $55,000
Annual Cash Flow: $6,600
CoC Return = $6,600 / $55,000 = 12%