Headline tool

Scenario calculator

Preset-first, manual-fallback. If a program has a rate matrix row it prefills — otherwise type the numbers. Nothing is blocked when a preset is missing.

Indicative only — not a commitment to lend.

Deal

Purchase price ($)

Down payment (%)

Down payment ($)

Loan $375,000 · LTV 75.00% · no program LTV cap

Property type

Occupancy

Borrower residency

Affects overlay caps only — not the rate in all-in mode.

Pricing (preset or manual)

Programno preset — manual

Interest rate (% annual)

Rate detail

Enter a rate — no adjusters applied

Term

Interest-only

Points / origination (% of loan)

Other lender fees ($ flat)

Minimum DSCR required

Income

Gross monthly market rent ($)

Recurring costs

Annual property taxes

Annual hazard insurance ($)

Monthly HOA ($)

Monthly flood insurance ($)

Closing / cash to close

Title + escrow + recording

Prepaids / escrow setup ($ flat)

Seller / lender credits ($)

Overlay dimensions

Vesting

Monthly P&I

Monthly PITIA

$0.00

P&I + tax + ins + HOA + flood

Cash to close

$125,000

Enter min DSCR + rent

DSCR shows when monthly rent is entered.

Within entered limits

Why these numbers

No overlays bound this scenario — entered rate and down payment drive the numbers.

Payment mix

Monthly PITIA

P&I$0
Taxes$0
Insurance$0
HOA$0
Flood$0
PITIA$0

Cash to close

indicative — editable

Down$125,000
Closing$0
Prepaids$0
Credits−$0

DSCR vs 1.00×

—

DSCR = monthly market rent / NOI ÷ PITIA, where PI uses the program's amortization basis Enter monthly market rent to score.

Total closing costs

Points / origination (0% of loan)$0
Other lender fees$0
Title + escrow + recording$0
Itemized subtotal$0

Cash to close

Down payment$125,000
Points$0
Lender fees$0
Title + escrow + recording$0
Prepaids$0
Credits−$0
Total cash to close$125,000

Indicative only — not a commitment to lend.