Property Refinance Analyzer
Compare your current loan vs. a proposed refi — with full DSCR, PITIA, NPV & payback analysis.
INVESTOR-GRADE TOOL
Refinance Verdict
New DSCR
—
Enter deal numbers below
Monthly Savings
$0
Net Cash at Close
$0
Decision NPV
$0
Payback
—
Property & Income
If filled, overrides $ below
Current Loan
DSCR Options
Typically 1.20–1.30
New Loan (Proposed Refi)
1 pt = 1% of loan
Typical 2–6%
Hold & Discount (NPV)
Key Calculations
Effective Opex ($/mo)
$0
EGI ($/mo)
$0
Monthly NOI
$0
Current P&I
$0
New P&I
$0
Current PITIA
$0
New PITIA
$0
Current DSCR
—
New DSCR
—
Origination ($)
$0
Total Closing Costs
$0
New LTV
—
Refi Economics
Monthly Savings (PITIA)
$0
Net Cash to Investor at Close
$0
PV of Savings over Hold
$0
Decision NPV
$0
Simple Payback (months)
—
Total Immediate Costs
$0
Loan Scenarios
Edit any cell below to compare rate/term/amount combos. Uses the same NOI from your inputs above.
| Scenario A | Scenario B | Scenario C | Scenario D | Scenario E | |
|---|---|---|---|---|---|
| New Rate (%) | |||||
| Term (years) | |||||
| Loan Amount ($) | |||||
| Monthly P&I | — | — | — | — | — |
| PITIA | — | — | — | — | — |
| DSCR | — | — | — | — | — |
Verdict
Enter your deal numbers above.
Guidance only. Confirm with your lender's DSCR and LTV requirements. Designed for fixed-rate, fully amortizing loans. Does not model ARMs, IO periods, or escrow nuances.