Tools

Run the numbers yourself

Every calculator opens with the worked example used throughout this workbook: a $400,000 rental with 25% down at 6.5%. Change any input and the sheet recalculates.

A laptop, a calculator and a printed spreadsheet arranged on a desk beside a notebook.

Three calculators

Pick the question you are answering

Each tool states its method and links to the guide that explains the figures behind it.

A man in glasses working at a desk, writing on a pad while using a calculator beside an open laptop.

CalculatorDSCR calculatorDivide gross rent by PITIA to get the ratio, then see what an interest-only payment does to it. The same property can land in two different pricing tiers depending on the payment structure.Live

A woman at a kitchen table sorting printed bank statements into piles beside a laptop and a mug.

CalculatorCash-to-close calculatorThe down payment is roughly three quarters of what you have to document. This adds closing costs, prepaid taxes and insurance, and the reserves that must remain after closing.Live

Two printed term sheets held side by side above a desk, compared page against page.

CalculatorPrepayment penalty calculatorCompare a step-down penalty against the extra interest on a penalty-free loan, year by year, and find the point where the cheaper choice flips.Live

Calculators
Row	Sheet	What it computes	State
1	DSCR calculator	The ratio on a fixed payment and an interest-only payment.	Live
2	Cash-to-close calculator	Down payment, closing costs, prepaids and reserves in one documented figure.	Live
3	Prepayment penalty calculator	A step-down penalty against the extra interest on a penalty-free loan.	Live

These are estimates for planning. Lenders calculate DSCR in more than one way, and your quoted terms will depend on the full transaction.

DSCRLoans101 is an independent editorial site. We do not originate loans and we are not affiliated with any lender. Every figure on this page comes from published lender materials or primary sources, and we publish the date we verified it.