Instantly Analyze Your Deal
Paste a Zillow or Redfin URL, describe your deal in plain English, or enter the numbers manually. Get an instant DSCR verdict, monthly cash flow projection, and a preview of what your specialist will structure.
How the Deal Analyzer Works
1. Enter Your Deal
Paste a property listing URL, type a description like "400K duplex in Tampa, rents $2,400/mo," or fill in the quick form with property value and rent.
2. Get Instant Results
We calculate your DSCR ratio, project your monthly cash flow, and preview what a specialist will structure. All in under 2 seconds, with no personal information required.
3. Get the Deal Structured
Like what you see? Click "Get This Deal Structured" and your details pre-fill the application. Your matched specialist structures the file and routes it to the right lender from 70+ in our network.
What Is DSCR and Why Does It Matter?
DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property generates enough income to cover its mortgage payment. The formula is simple:
The Formula
DSCR = Monthly Rent / Monthly PITIA
PITIA = Principal + Interest + Taxes + Insurance + Association Dues
What the Numbers Mean
Strong Deal
The property generates 25%+ more rent than the mortgage costs. Qualifies for the broadest set of DSCR programs across our lender network.
Workable Deal
Rent covers the full mortgage payment. Qualifies for Standard DSCR programs across our lender network.
No-Ratio Eligible
Rent does not fully cover the mortgage. Still qualifies for a No-Ratio DSCR program with 30%+ down payment. Common in high-appreciation markets.
Specialist Review
A DSCR specialist can review your deal and find the right program. Options may include higher down payment, interest-only, or bridge-to-DSCR.
Assumptions in This Tool
The Deal Analyzer uses conservative default assumptions to give you a realistic starting point:
- 30-year fixed term: Standard amortization assumption used to compute monthly PITIA.
- Property taxes: 1.25% of property value annually (varies by state and county).
- Insurance: $150/month (varies by location, property type, and coverage).
- Down payment: 25% unless you specify otherwise.
For exact numbers on your deal, click "Get This Deal Structured" and your matched specialist will run the calculation with real lender data, the right program for your scenario, and a structured file ready for underwriting.
This illustration does not constitute an approval of any kind. All scenarios are subject to underwriter review and approval of credit, assets, and collateral.
Your Next Rental Property Deserves a Specialist
One form. A licensed DSCR specialist who structures your deal for approval. No credit pull to get matched. Match in 2 minutes, fast closings on clean files.