Investor scenario guide
Compare DSCR Loan Quotes on the Same Deal
A lower advertised rate does not automatically mean a lower-cost or better-fitting DSCR loan. Normalize each written scenario to the same property value, rent, loan amount, leverage, term, amortization, rate type, closing date, and prepayment assumption before comparing payment and cash to close.
Quote comparison worksheet
Compare payment and upfront lender cost
Enter the same loan amount and amortization for both quotes. The worksheet models principal and interest plus points and stated lender fees; it does not include every closing cost or contract term.
Quote A
- Modeled monthly P&I
- $2,447
- Points + lender fees
- $5,000
Quote B
- Modeled monthly P&I
- $2,388
- Points + lender fees
- $8,500
Quote B's additional modeled upfront cost is recovered after about 59 months of P&I savings.
Also compare prepayment language, rate type and lock, interest-only or balloon features, reserves, escrows, broker compensation, third-party fees, lender credits, cash to close, open conditions, and the provider's current written disclosures.
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
- $300,000
- Monthly P&I
- $2,098
- PITIA / mo
- $2,664
- Rent minus PITIA / mo
- $636
- Simplified cap rate*
- 8.2%
- Max loan @ 1.25
- $296,523
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
Ways to improve this estimate
- ▸Raise the down payment to about 25.9% (roughly $3,477 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 $3,330/mo ($30 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.
Request a manual lender-options review
Share a few qualification details. DSCRDealCheck reviews the request and emails you 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
First edit the example deal and select its property state. This keeps example values out of review requests.
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.