Loan support
Max by target DSCR$232,641
Max by selected LTV$240,000
Lower supported amount$232,641
Rent needed at 1.20×: $2,663/mo
Deal score
Borderline deal. Improve rent, leverage, rate, or expenses.
What works
- Requested leverage is within the selected LTV cap.
Watch items
- DSCR is below the selected 1.20x target.
- Investor cash flow is negative after reserves.
- The defensive stress test falls below the target DSCR.
Make this deal work
Use these levers to see what must change before the deal becomes cleaner for financing or investor cash flow.
Raise supported monthly rent to about 2,663 to hit the selected DSCR at the current loan terms.
Loan reduction needed
$7,359
Lower the loan amount, increase down payment, or negotiate better terms until the requested loan fits both DSCR and LTV.
Rent for cash-flow breakeven
$2,687
This is the rough monthly rent needed to get investor cash flow back to zero after operating reserves.
Stress test
Base case
Your current assumptions.
1.17×
Cash flow: -$87/moLTV: 75.0%
Conservative case
5% lower rent, 0.50% higher rate, and 5% higher fixed expenses.
1.06×
Cash flow: -$352/moLTV: 75.0%
Defensive case
10% lower rent, 1.00% higher rate, and 10% higher fixed expenses.
0.96×
Cash flow: -$613/moLTV: 75.0%
Estimates only. Actual qualifying rent, PITIA, LTV, rate, reserves, and loan amount depend on appraisal, lease review, credit, property type, and lender guidelines. This is not a commitment to lend.
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