Rental Property Deal Analyzer

It takes one set of inputs — purchase price, rehab, loan sizing, rate and term, rent, vacancy, operating expenses and the closing costs you enter — and returns estimated PITIA and debt service, DSCR, NOI, cap rate, monthly and annual cash flow, cash invested, cash-on-cash return, LTV, and the rent required to reach the DSCR you select. If you add refinance or exit assumptions, it also estimates refinance proceeds, equity and the cash left in the deal. Every figure is an illustrative estimate, not an offer of credit.

From you. This tool does not source or publish any rate, fee, closing cost, lender threshold or program eligibility rule. Any rate you type is treated as an assumption unless you copied it from our live pricing tool, and closing costs are whatever dollar figure you enter. Actual pricing and costs are established only after a complete application and full underwriting.

DSCR is gross monthly rent divided by estimated PITIA — principal and interest, plus monthly taxes, insurance and any association dues. That is the same formula used by our standalone DSCR calculator, because both read from the same shared math module. Individual lenders and programs may compute or adjust the ratio differently.

NOI is effective gross income (rent and other income, less your vacancy assumption) minus operating expenses — taxes, insurance, association dues, management, maintenance and utilities or other operating costs. It excludes debt service. Cash flow subtracts the loan payment from NOI, so it reflects what is left after financing.

No. Nothing here is an eligibility determination, pre-qualification, approval, rate lock, or commitment to lend. The outputs describe the scenario you entered under the assumptions you entered. Eligibility, pricing and terms are subject to a complete application, credit and property review, appraisal where required, and full underwriting.

Model whichever structure you are actually considering, and try both. Interest-only lowers the monthly payment, which raises modeled DSCR and year-one cash flow while leaving the balance unchanged. Amortizing pays the balance down, which matters if your exit assumes a refinance or sale. Availability of any structure varies by lender and program.

Use figures grounded in your own submarket data and management agreement rather than a generic default. Because these expenses reduce NOI directly, changing them by a couple of percentage points can move cap rate and cash-on-cash materially. There is no preset here that claims to be typical.

Enter the value you expect at refinance, the loan-to-value and rate/term you want to test, the refinance closing costs you expect, and how long you plan to hold. The analyzer estimates the payoff balance at that point, the new loan amount, gross and net proceeds, equity remaining, the new payment and DSCR, and the cash left in the deal with the resulting cash-on-cash return.

Yes. The share bar produces a link that encodes only the scenario numbers — no name, email, phone or address is ever included — plus a copy-and-paste summary of the key figures for an email or deal memo.

No. It is built for business-purpose, non-owner-occupied investment property financing. Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881) and arranges business-purpose investor financing across its approved footprint, with residential consumer lending licensed in Florida and Colorado.