Investor calculators
Consumer mortgage calculators assume you live in the house. These do not. They model the things that actually decide an investment deal: coverage ratios, points, draw schedules, holding costs, balloons and whether your capital comes back out.
- DSCR calculatorDebt service coverage ratio, the maximum loan it supports, and monthly cash flow.
- Fix and flip calculatorARV, the 70% rule, holding costs and the profit left after every cost is counted.
- BRRRR calculatorWhether the refinance actually returns your capital, and what the deal yields if it doesn't.
- Hard money loan calculatorPoints, interest-only carry and the true annualised cost of short-term money.
- Seller financing calculatorPayment, balloon amount and total interest on an owner-carried note.
Why these are separate tools
A rental is underwritten on the property, not on you. A flip is priced on an exit that has not happened yet. Short-term money charges points that a rate cannot express. None of that fits a payment calculator built for an owner-occupier, which is why the numbers people run in one usually flatter the deal.
Every figure here uses the same tested engine as the consumer calculators, and the formulas are published.
Questions people actually ask
What is the difference between a DSCR loan and a conventional mortgage?
A DSCR loan is underwritten on the property's cash flow rather than your personal income, so there is no tax return or debt-to-income requirement. It is business-purpose credit, which places it outside TILA and RESPA.
Which calculator should I use for a rental purchase?
The DSCR calculator, which tells you whether the rent covers the debt at the ratio lenders require and what loan size that supports.