The four calculators every DSCR / Non-QM investor reaches for — DSCR ratio, BRRRR model, cash-on-cash return, and the fix-and-flip 70% rule. Free, no signup. Built by an investor-loan broker who underwrites these files weekly.
Does the rent cover the loan?
Calculate the Debt Service Coverage Ratio for a rental property. Back-solve the down payment you would need to hit a target DSCR tier.
Model a Buy-Rehab-Rent-Refi-Repeat deal end-to-end.
See all-in cost, refi cash-out at 75% of ARV, cash left in the deal, monthly cash flow, and the cash-on-cash return on whatever capital stays trapped.
Annual cash flow ÷ cash invested.
The clean operating-yield metric for a rental — divides annual net cash flow by total cash invested (down, closing, rehab, reserves). Compare two deals on equal footing.
Maximum allowable offer for a flip.
Back-solve the most you should pay for a property to flip: 70% of After-Repair Value minus rehab. The classic margin-of-safety calc for residential flippers.
Most online mortgage calculators answer a homeowner's question: can I afford this payment? That is the wrong question for a real estate investor. The right questions are: does the rent cover the payment (DSCR), does the deal recycle my capital (BRRRR), what return am I earning on the cash that stays in (cash-on-cash), and how much can I pay and still hit a margin (the 70% rule).
These four metrics are the standard underwriting framework every DSCR lender, Non-QM correspondent, and experienced Texas investor uses. The calculators here mirror what real DSCR underwriters compute on a 1007 / 1025 rent schedule — so the number you see at home is the number you'll see on a term sheet.
When a deal pencils, hit the lead form on the calculator page. The form sends us your full scenario — inputs and outputs — so the call starts with the math already shared.
Use the calculators to pencil it. Then send us the scenario and we'll quote it across our DSCR lender shelf.