Investor scenario guide
DSCR Loan Cash to Close: Reconcile Every Major Line
Cash to close is more than the down payment. A useful purchase estimate separates the price and loan amount from points, other loan and settlement costs, prepaid interest, insurance, escrows, deposits already paid, and written credits. Use the worksheet below to build a transparent estimate, then replace each input with the provider's and settlement agent's current itemization.
Cash-to-close worksheet
Reconcile the money required at closing
Separate the down payment from points, other loan and settlement costs, prepaids and escrows, then subtract deposits and written credits. Use the provider's and settlement agent's itemized figures before wiring funds.
- Modeled down payment
- $87,500
- Modeled points
- $5,250
- Total modeled closing items
- $17,250
- Deposits + credits
- $5,000
- Estimated cash to close
- $99,750
Business-purpose DSCR transactions may use different disclosures and categories than a consumer mortgage. Title, transfer taxes, insurance, prepaid interest, escrows, prorations, reserves, appraisal, legal, entity, broker, provider, and wire amounts vary. Independently confirm wire instructions with the settlement agent using a trusted phone number.
Coverage check
Now model the property's DSCR
Example result · edit the inputs before relying on this screen
Estimated rent covers PITIA at these inputs; provider criteria and underwriting still apply.
- Loan amount
- $262,500
- Monthly P&I
- $1,835
- PITIA / mo
- $2,335
- Rent minus PITIA / mo
- $565
- Simplified cap rate*
- 8.2%
- Max loan @ 1.25
- $260,292
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Raise the down payment to about 25.6% (roughly $2,208 more cash) to reach DSCR 1.25.
- ▸Buying the rate down to about 7.4% (from 7.5%) would lift DSCR to 1.25 at the same loan size.
- ▸Rent would need to be about $2,919/mo ($19 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.
Edit the example and select a state to create a share link.
Request DSCR loan options
Tell us about the investment property and your financing timeline. We’ll review the request and follow up if a potentially relevant next step is available. There is no guaranteed match, quote, approval, or response deadline.
About 1 minute · 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.
Go deeper on any deal
- ▸ Rent stress test — see DSCR at −10%, −20%, −30% rent
- ▸ Save up to 20 deals across sessions
- ▸ Side-by-side comparison of any 2–3 saved deals
- ▸ Export clean PDF of any analysis
Program screen
No lender matches shown from example data
Edit the example assumptions and select the property state. We will then compare only the visible DSCR, loan-size, state, and property-type criteria. Credit, reserves, appraisal, title, documentation, and provider underwriting are not checked here.
Edit the example deal ↑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.