Teardown 01 · Rent stress test
How a 10% Rent Drop Moved DSCR From 1.24x to 1.12x
The debt did not change. A $290 reduction in modeled monthly rent removed most of the deal's coverage cushion.
Open the teardown →Real numbers · assumptions shown
DSCR Deal Lab: see what changed before you finance.
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.
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Teardown 02 · Purchase funds
Why $87,500 Down Became $99,750 Cash to Close
Down payment was only the first line. Points, closing costs, prepaids, and the credited deposit changed the funding target by $12,250.
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Teardown 03 · Bridge-to-DSCR exit
How Two Takeout Ceilings Created a $25,053 Payoff Gap
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
Read the constraint
Identify whether rent, cash, leverage, or payoff controls the example.
Replace the assumptions
Open the linked worksheet and enter the numbers for the property you are evaluating.
Verify written terms
Use the result to ask precise questions; a provider still determines eligibility and terms.
What these cases are for
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 →