Real numbers · assumptions shown
Short rental-financing teardowns with the inputs, arithmetic, binding constraint, and next check displayed in full. Each case links to a free worksheet so you can replace the example with your own assumptions—no account required.
Teardown 01 · Rent stress test
The original 10% example shows DSCR moving from 1.24 to 1.12. The new 20% example takes rent from $3,000 to $2,400 and DSCR from 1.20 to 0.96. Both hold debt fixed and use fictional figures.
Open the teardown →
Teardown 02 · Purchase funds
Down payment was only the first line. Points, closing costs, prepaids, and the credited deposit changed the funding target by $12,250.
Open the teardown →
Teardown 03 · Bridge-to-DSCR exit
Value supported a $300,000 takeout, but rent coverage supported only $255,048. The lower ceiling controlled the exit.
Open the teardown →How to use the lab
Identify whether rent, cash, leverage, or payoff controls the example.
Open the linked worksheet and enter the numbers for the property you are evaluating.
Use the result to ask precise questions; a provider still determines eligibility and terms.
The Deal Lab is designed to reveal sensitivity and missing questions—not to predict a lender's decision. Calculations use stated assumptions and may omit operating expenses or transaction terms outside the displayed model. Confirm current value, eligible rent, PITIA, payoff, costs, reserves, program criteria, and written terms with the relevant professionals.
Read disclosures and methodology →