Investor Tools

Good DSCR deals are built before they are submitted. The tools on this page exist to help investors pressure-test the numbers, identify weak spots, and understand whether a deal actually works before a lender starts underwriting it.

These are not generic calculators. They are built around the same questions lenders ask when reviewing rental property deals: does the income support the payment, does the ratio survive stress, does the refinance improve the position, and is the submission clean enough to avoid preventable friction?

If the DSCR Fundamentals hub explains how DSCR lending works, the Investor Tools hub helps you apply that knowledge to live deals.

Start With the Deal Filter

The Deal Filter is the fastest way to screen a deal. It gives you a quick lender-style read on whether the numbers look clean, weak, or borderline before you spend more time on the file.

This is the tool to use when you want a first-pass answer on a purchase, refinance, or rental property scenario.

Analyze the Property ROI

The Property ROI Analyzer evaluates the overall investment performance of a rental property, including cash flow, cap rate, and cash-on-cash return. Use it to compare deals side by side or to pressure-test whether the return profile justifies the capital commitment.

Model the Cash Flow

The Cash Flow Analyzer breaks down monthly and annual cash flow after all operating expenses and debt service. It shows you the real number — what the property actually puts in your pocket after everything is paid.

Calculate the DSCR

The DSCR Calculator builds the ratio the way a lender does — using full PITIA, vacancy adjustments, and the income figure the lender is most likely to accept. Use it to see where your deal lands before you submit.

Stress Test the Ratio

A deal that works at today’s rate can break quickly once the assumptions move. The Stress Test helps you see how sensitive the DSCR is to changes in rate, rent, taxes, insurance, and other variables that lenders often revisit during underwriting.

This is where fragile deals show themselves.

Run the BRRRR Analysis

The BRRRR Analyzer models the full Buy-Rehab-Rent-Refinance-Repeat cycle from acquisition through stabilized refinance. It shows you how much capital you recover, what the post-refi DSCR looks like, and whether the deal recycles your money the way the strategy requires.

Analyze the Refinance

The Refi Analyzer helps you compare your current loan against a proposed refinance so you can evaluate DSCR, PITIA, cash-out, payment change, and whether the refinance actually improves the deal.

This matters because many loans that look attractive on rate or cash-out terms become weaker once the full payment and DSCR effect are modeled properly.

Use the Pre-Submission Checklist

Even when the numbers work, deals still get delayed by preventable issues. The Pre-Submission Checklist helps investors catch missing documents, property-level issues, structural conflicts, and lender-fit problems before they send the file in.

The cleaner the submission, the fewer surprises appear later in underwriting.

Which Tool Should You Use First?

That sequence mirrors a practical investor workflow.

Start with the Deal Filter to see if the file is worth your time. Use the ROI Analyzer and Cash Flow Analyzer to understand the return and cash position. Run the DSCR Calculator to build the ratio the way a lender would. Stress Test to see how much margin the deal actually has. Model the full cycle with the BRRRR Analyzer if applicable. Run the Refi Analyzer if the scenario involves replacing existing debt. Finish with the Pre-Submission Checklist before you send the file to a lender.

No Hype. Just Real Numbers.