Investor scenario guide
How much cash could your rental refinance release?
Own a rental property and considering cash out? Estimate the cash left after payoff and closing costs, your new payment, and whether rent covers it. Then get your numbers by email and request an options review. The calculator is free; estimates are not loan offers.
Example result · edit the inputs before relying on this screen
Estimated rent covers PITIA at these inputs; provider criteria and underwriting still apply.
After debt payoff and modeled costs
$21,600
Illustrative cash released
$280,000 new loan − $250,000 payoff − $8,400 modeled costs. Include points, prepayment charges, escrows and prepaid items in your cost estimate. Reserves and actual provider terms may require more cash.
- Loan amount
- $280,000
- Monthly P&I
- $1,958
- PITIA / mo
- $2,508
- Rent minus PITIA / mo
- $492
- Simplified cap rate*
- 7.3%
- Max loan @ 1.25
- $264,583
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Reduce the modeled loan to about $264,583 (66.1% LTV) to reach DSCR 1.25. This means borrowing roughly $15,417 less.
- ▸Buying the rate down to about 6.9% (from 7.5%) would lift DSCR to 1.25 at the same loan size.
- ▸Rent would need to be about $3,135/mo ($135 above your input) to reach DSCR 1.25 — check comps and any rent-stress add-backs.
Get your numbers and next-step questions by email. Phone optional. DSCRDealCheck reviews your request before any lender introduction.
Compare rent scenarios & download →Free CSV with your assumptions and a lower-rent case. No contact form needed.
What if rent falls?
Compare one lower-rent scenario with the base numbers above. The loan and PITIA stay fixed.
Dollar amounts can include $ and commas.
Illustrative example — synthetic figures
0% keeps the base rent. 100% models no rent received.
Adverse scenario: rent falls 10%. Change means adverse minus base.
Monthly rent
- Base
- $3,000.00
- Adverse
- $2,700.00
- Change
- -$300.00
Monthly PITIA
- Base
- $2,507.80
- Adverse
- $2,507.80
- Change
- $0.00
DSCR
- Base
- 1.20
- Adverse
- 1.08
- Change
- -0.12
Monthly rent minus PITIA
- Base
- $492.20
- Adverse
- $192.20
- Change
- -$300.00
Estimated cash out and any funding gap remain the same: this scenario changes rent only. It does not recalculate an eligible loan amount.
Changes use unrounded values; displayed figures are rounded.
Rent minus PITIA excludes maintenance, management, vacancy reserves and other operating costs; it is not net profit. This is an educational scenario, with no approval or loan offer.
Keep the base case, lower-rent case and fixed assumptions in one free CSV. No account or contact details required.
Next: prepare a conversation with a lender you choose
These questions are also included in the CSV. Ask for written terms before comparing offers.
- Which rent figure and DSCR calculation would you use for this property?
- What are the itemized fees, payoff charges, prepaids and required reserves?
- What rate structure and prepayment terms would apply, and for how long are the written terms valid?
Downloading this file does not request a quote or send your scenario to a lender.
Get your refinance summary & request an options review
We’ll email your numbers and next-step questions, then review whether a lender option fits. If it does, we’ll ask before introducing you. A match, quote, or approval is not guaranteed.
Free email summary · phone optional · no credit check by this form
You can submit without completing the calculator. We’ll ask for an approximate loan amount and mark the DSCR as not yet calculated.
DSCR lender directory
Published criteria, not an approval.These are the program criteria we track, as each lender publishes them. Nothing here has been screened against a deal yet. Edit the example assumptions and select the property state to see which programs fit your numbers — and note that credit, reserves, appraisal, title, documentation, and provider underwriting are never checked here.
Screen these against your deal ↑Wide DSCR box that will look at ratios as low as 0.75 with compensating factors; a good backstop for marginal deals that other lenders decline.
- • DSCR floor 0.75, FICO 620+, up to 80% LTV.
- • Loan size $100,000–$4,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: griffinfunding.com · read 2026-09-18
Tech-forward lender with a 30-year fixed DSCR product from a 0.75 ratio — one of the lowest floors here — plus an explicit short-term-rental program and instant online pricing.
- • DSCR floor 0.75, FICO 660+, up to 80% LTV.
- • Loan size $150,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: newsilver.com · read 2026-08-18
Visit New Silver via tracked link →High-volume tech-forward lender with fast DSCR closings and a no-income-doc 30-year product; competitive on A/B-class single-family and 2-4 unit. Its rental-loan page states that DSCR loans are originated and funded by Figure Lending LLC dba Figure as of 2026-09-01.
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $75,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD, VT.
Source: kiavi.com · read 2026-06-15
Investor-only lender with an explicit short-term-rental DSCR program and a no-ratio option; strong fit for Airbnb deals where long-term rent is thin.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD.
Source: easystreetcap.com · read 2026-06-15
Established private lender with a 30-year DSCR rental product from a 1.0 ratio and 660 FICO; up to 80% LTV on purchase plus a dedicated Airbnb/short-term-rental program (700 FICO, 1.3 DSCR).
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $85,000–$2,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: limaone.com · read 2026-09-18
Non-QM lender with flexible DSCR overlays including sub-1.0 'no-ratio' files; useful when the property does not cover PITIA but the borrower is strong.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $100,000–$1,500,000.
- • Short-term-rental income: no program.
Source: angeloakms.com · read 2026-06-15
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • DSCR floor 1.00, FICO 660+, up to 75% LTV.
- • Loan size $100,000–$2,000,000.
- • Short-term-rental income: no program.
Source: newamericanfunding.com · read 2026-06-15
One of the original DSCR shops; rate/term and cash-out refis on stabilized rentals with a clean, ratio-driven underwrite and a public DSCR calculator.
- • DSCR floor 1.10, FICO 680+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: visiolending.com · read 2026-06-15
Compensation disclosure: DSCRDealCheck may receive payment for partner-link activity, submitted inquiries, accepted leads, or completed loans. Compensation may affect which providers are included or displayed; it does not change the calculator math. Provider underwriting and terms control.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Providers determine rates, terms, eligibility, transaction classification, and applicable requirements. Not financial, legal, or tax advice.