Free tools
Free Investor Loan Calculators
Run any deal before you call a lender. Every tool here is free, with no signup wall and nothing saved.
These are the live versions of the worksheets in The Lender's Lens. Use them to score a real deal in a few minutes, the same way an underwriter would.
- DSCR calculator. Enter rent, loan, rate, taxes, and insurance to see the debt service coverage ratio on the full PITIA payment, and the pricing tier it lands in.
- Cash to close calculator. Add the down payment, points, closing costs, and required reserves so the real cash a deal needs never surprises you.
- BRRRR calculator. Enter purchase, rehab, costs, after repair value, and refinance LTV to see how much of your capital the refinance returns.
- Fix and flip calculator. Get the maximum allowable offer on the 70% rule from the after-repair value and rehab, plus projected profit and margin.
- Cash-on-cash calculator. See the annual return on the cash you put into a rental after the loan payment.
- Hard money calculator. See the interest-only payment and the true total cost of a hard money loan once points and fees are counted.
- Deal analyzer. One tool that returns the DSCR, a risk read across cash flow, leverage, and credit, and which loan types fit.
- Financing recommendation. Answer five questions and get the loan type that fits your deal, with the lender category to research.
- Two-minute pre-qualifier. Walk a deal through the five lines of the Lender's Lens and find the weak one before you apply.
- Rate and Terms Survey. The independent benchmark of where investor loan pricing and terms actually sit, so you can tell whether a quote is fair.
New to this? Start with what a DSCR loan is, then come back and run your numbers.