MV
The Mortgage Vet Mortgage Ready
Veteran-owned · Investor-focused
Investor Mortgage Readiness 2026

Know exactly where you stand before you apply.

A precise, investor-first readiness review built by a working mortgage desk. We assess your scenario, credit, liquidity, and deal mechanics — then hand you a plan that actually moves the file forward.

Investor-focused review
DSCR, fix-and-flip, bridge, RTL, and ground-up.
Soft-credit-ready workflow
No hard pull required to get a clear read on fit.
Personalized readiness plan
Concrete next steps, not generic advice.
Sample readiness brief — file ready for review
77
Mortgage Ready
Loan fitDSCR · Cash-out
DSCR1.28×
LTV72%
Reserves8.2 months
StatusNearly Ready
Prepared by The Mortgage Vet desk
illustrative
Step 1 · Quick Scenario Fit

Tell us the shape of the deal — we'll handle the depth later.

A six-question read on what you're trying to do. No commitments, no credit pull, no email gate. The first answers are the most important.

$
Down payment, rehab carry, and reserves you could tap.
Step 2 · Investor Profile

Who's behind the deal.

A clean intake on you, the operator. Experience and entity structure both factor into program eligibility and leverage tiers.

Step 3 · Deal & Property Details

The numbers behind the property.

This is where the readiness math really starts. Round numbers are fine — we recalculate as you go.

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$
$
Required for fix-and-flip and ground-up.
$
$
$
Pre-filled at ~25% of price for purchases.
How we use these numbers
We compute LTV from loan amount and lower of purchase / as-is value. For rehab scenarios, LTC reflects loan against total project cost (purchase + rehab). ARLTV uses ARV as the denominator. All figures are estimates for planning purposes only.
Step 4 · Income & Cash Flow

Cash flow and reserves.

We've pre-filled what we can from your earlier answers. Refine anything that doesn't match — fields with a gold border were auto-derived.

Rental income

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Appraiser 1007 estimate or comparable rents.
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Defaults to market rent if you have a tenant in place.
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Auto-estimated from price & loan. Refine if you have a quote.

Borrower income

$
$
Shown for self-employed borrowers.
$

Liquidity

$
Pre-filled from your Quick Fit cash estimate. Cash, checking, savings, brokerage, retirement at 60%.
months
Liquid assets ÷ PITIA. We calculate this automatically.
How auto-fill works
PITIA estimate Calculated from your loan amount at an investor-typical rate (≈8.25% for DSCR/refi, ≈10.5% for bridge/RTL) over 30 years, plus property tax and insurance defaults by state, plus a small HOA buffer for condos. Refine with a real quote when you have one.

Lease income Defaults to market rent for rental scenarios. Override if your in-place lease is below market.

Liquid assets Pre-filled from your Quick Fit cash estimate. You can adjust here without changing the original answer.

DSCR & LTV DSCR = qualifying rental income ÷ PITIA. A DSCR ≥ 1.20× is generally a stronger profile. LTV = loan amount ÷ lower of purchase or as-is value. LTC = loan amount ÷ total project cost. Estimates only; actual program eligibility is determined by the lender at underwriting.
Step 5 · Credit Review

A clean read on credit — without surprises.

Soft credit review is informational only and won't affect your score. Use it to surface anything that needs attention before formal submission.

Step 5b · Credit Coaching Plan

Build the credit-improvement playbook.

Loan officer adds targeted actions. Each row carries an estimated impact range, priority, and timeline — all editable. Score impact varies and is never guaranteed.

Disclaimer Estimated score impact ranges shown above are illustrative only. Actual results depend on the consumer's full credit file, reporting cycles, account behavior, and bureau methodology. The Mortgage Vet does not guarantee any specific score change, eligibility, or approval outcome from these actions.
Step 6 · Document Readiness

What's in hand, what's missing.

A working checklist of investor-relevant documents. Click each status to cycle through Received → Needs review → Missing → Not applicable.

Step 7 · Loan Officer Workflow

Internal review panel.

For the desk: source, partner, file stage, quality flag, conditions, and an override on the final readiness score when judgment overrides math.

/100
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Mortgage Ready Score
Step 8 · Final Summary

Your readiness brief is ready.

Below: where you stand, what's working, what to address before formal submission, and the recommended next step.

Awaiting input Loan fit: TBD
Live readiness metrics

The numbers underneath the score.

Strengths

  • Complete the steps to see your strengths.

Concerns

  • No concerns flagged yet.

Missing items

  • Document checklist not yet reviewed.

Recommended next steps

  • Begin with the quick fit step to generate personalized next steps.

Credit coaching summary

  • No coaching actions added yet.

Loan officer summary

Loan officer notes will appear here when filled in.

Ready for a real review?

The Mortgage Vet desk will validate this brief, run scenarios across investor programs (DSCR, RTL, bridge, ground-up), and respond with a precise next step.

Important disclosures This tool is for educational and prequalification purposes only. It is not a commitment to lend, an approval, or a credit decision. All financing is subject to lender review, complete documentation, valuation, title, insurance, and underwriting. Soft credit review does not guarantee eligibility or pricing. Estimated credit improvement ranges are not guaranteed. Loan programs, leverage tiers, and pricing vary by scenario, lender, and market conditions. The Mortgage Vet · NMLS-licensed activity is conducted only in states and through channels in which the originator is licensed and authorized.
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