Investor scenario guide
How much cash could your rental refinance release?
See estimated cash after debt payoff and closing costs, the new monthly payment, and how well rent covers it—all from one set of assumptions. Free to use, with no account or contact details required. This is an educational estimate, not a loan offer.
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.
About one minute. DSCRDealCheck reviews first; nothing is sent to a lender without the consent shown in the request.
What if rent falls?
Compare one lower-rent scenario with the base numbers above. The loan and PITIA stay fixed.
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.
Request DSCR loan options
Start with four deal facts. We’ll show a preliminary program screen before asking how to contact you. There is no guaranteed match, quote, approval, or response deadline.
About 45 seconds · no obligation · 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–$5,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
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.
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.
- • 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.
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.
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.
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.
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.
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.
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.