Five purpose-built calculators that answer the questions rental property investors actually ask. Figure out if a property's income covers the mortgage, how much consolidating saves you, whether refinancing makes sense, and what your real cash-on-cash return looks like — all in under a minute, no sign-up required.
Why Use Investment Property Calculators Before You Borrow?
Most rental property financing decisions come down to numbers. A property might look like a deal, but until you run the math on debt service coverage, monthly cash flow, and break-even timelines, you're guessing. These calculators remove the guesswork. Each one models the exact metrics lenders evaluate when underwriting 30-year DSCR loans and portfolio financing — so you see what we see before you apply.
Every calculator runs in your browser, saves nothing, and gives instant results. No email capture, no registration wall, no strings attached.
DSCR Loan Calculator
Calculate your debt service coverage ratio instantly. Enter gross rent, expenses, and loan terms to see if the property qualifies at the 1.2x threshold most lenders require — or if you need our No-Ratio DSCR program.
Open Calculator →Investment Property Mortgage Calculator
Estimate monthly PITI payments, total interest over the life of the loan, and full amortization schedules. Compare 15, 20, and 30-year terms side by side to find the right balance between cash flow and total cost.
Open Calculator →Rental Cash Flow Calculator
Run a complete income analysis on any rental property. See your NOI, monthly cash flow, cash-on-cash return, and cap rate after accounting for vacancy, taxes, insurance, maintenance, and management.
Open Calculator →Blanket Loan Savings Calculator
Own 3+ properties with separate mortgages? See how much you save by consolidating into one blanket loan. Compare monthly payments, closing costs, and 5-year savings in a single view.
Open Calculator →Ready to Apply?
Run the numbers first, then lock in your rate. No application fees, no tax returns required, and most loans close in 2-4 weeks.
Which Calculator Should I Use First?
That depends on where you are in the process. If you're evaluating a new acquisition, start with the Rental Cash Flow Calculator to confirm the property generates positive income after all expenses. Then run the DSCR Calculator to check if it qualifies for financing — most of our programs require a 1.2x ratio, meaning the rental income exceeds the mortgage by at least 20%.
If you already own several rentals with separate mortgages, go straight to the Blanket Loan Savings Calculator. Investors with 3+ properties routinely save $200 to $1,500 per month by rolling everything into a single blanket mortgage — one payment, one rate, one set of closing costs.
Already have a loan and wondering if a lower rate justifies the cost of refinancing? The Refinance Break-Even Calculator tells you the exact month your savings exceed closing costs. Anything under 36 months is a solid refinance.
Run the numbers before you make an offer — every calculator is free, instant, and built for rental investors.
How Each Calculator Helps You Make Better Investment Decisions
DSCR Loan Calculator — Know If You Qualify Before You Apply
DSCR is the single most important number in rental property lending. It measures whether a property's income can cover the mortgage. Our DSCR calculator takes your gross monthly rent, subtracts vacancy, taxes, insurance, and HOA fees to produce net operating income, then divides by your annual debt service.
A 1.2x DSCR qualifies for our standard 30-year fixed rate program. Between 1.0x and 1.2x, you may qualify at a slightly higher rate. Below 1.0x — where the rent doesn't fully cover the payment — our No-Ratio DSCR program removes the income test entirely and qualifies you on LTV, credit, and down payment alone.
Investment Property Mortgage Calculator — See the Full Cost of Ownership
Monthly payment is only part of the story. The mortgage calculator shows your full PITI breakdown — principal, interest, taxes, and insurance — plus total interest paid over 15, 20, or 30 years. On a $225,000 loan at 7.5% over 30 years, you'll pay roughly $341,000 in interest alone. Shortening to 20 years cuts that by more than a third.
Use this calculator alongside the cash flow analysis to balance monthly affordability against long-term cost. A higher payment with a shorter term builds equity faster, but it reduces monthly cash flow and can push your DSCR below the qualifying threshold.
Rental Cash Flow Calculator — Separate Real Deals from Paper Deals
A property advertised as producing $2,400/month in rent looks attractive until you factor in vacancy, 8% management fees, $300/month in taxes and insurance, and $200/month in maintenance reserves. The cash flow calculator accounts for every line item and shows your actual bottom line: monthly cash flow, NOI, cash-on-cash return, and cap rate.
Strong rental investments typically produce 8-12% cash-on-cash returns. Anything under 5% usually doesn't justify the effort and risk of property ownership. This calculator helps you screen deals quickly so you spend time only on properties that pencil out.
Blanket Loan Savings Calculator — See the Cost of Multiple Mortgages
Managing five separate mortgages means five different interest rates, five monthly payments, five sets of closing costs, and five different lenders to coordinate with. The blanket loan calculator adds it all up and compares it against a single blanket mortgage.
Our blanket loans cover portfolios from $300K to $50M with a single monthly payment. The calculator shows your projected savings at month one, year one, and year five — including the difference in closing costs. Most investors are surprised at how much they're leaving on the table.
Refinance Break-Even Calculator — Know the Exact Payback Month
Refinancing costs money upfront — typically $3,000 to $8,000 in closing costs for an investment property. The break-even calculator divides those costs by your monthly payment savings to pinpoint exactly when the refi pays for itself. A $6,000 refi that saves you $200/month breaks even at month 30. Every month after that is pure savings.
This matters most when you're deciding between holding your current loan or refinancing into a single property investor loan at a lower rate. If your break-even exceeds your hold period, the refi doesn't make financial sense.
What You Can Calculate Right Now
- DSCR ratio — confirm your rental income covers the mortgage at 1.2x or identify if you need our No-Ratio program
- Monthly PITI payment — principal, interest, taxes, and insurance on any loan amount and term
- Cash flow and cap rate — actual monthly income after every expense, plus cash-on-cash return
- Blanket loan savings — compare multiple mortgages vs. one consolidated loan with 5-year projections
- Refinance break-even — the exact month your new loan pays for itself, plus long-term savings projections
Do I Need a DSCR Loan or a Conventional Investment Property Mortgage?
Conventional investment property mortgages require full income documentation — W-2s, tax returns, debt-to-income ratios, and employment verification. DSCR loans skip all of that. Qualification is based on whether the property's rental income covers the mortgage, not on your personal income. That's why self-employed investors, LLC borrowers, and foreign nationals use DSCR programs almost exclusively.
If you can document W-2 income and your debt-to-income ratio is under 45%, a conventional loan may offer a slightly lower rate. But for most rental investors — especially those scaling past 4-10 properties — stated income programs and DSCR loans are faster, simpler, and don't cap the number of financed properties you can hold.
Run both our DSCR calculator and mortgage calculator to compare scenarios. The DSCR calculator tells you if the property qualifies. The mortgage calculator shows exactly what you'll pay.
Portfolio investors: use the Blanket Loan Savings Calculator to see what consolidating saves you every month.
Can I Refinance a Rental Property Without Tax Returns?
Yes. Our DSCR-based loan programs don't require personal tax returns for refinancing. The property's rental income and DSCR ratio determine eligibility, not your W-2 or Schedule E. This is particularly useful for investors who hold properties in LLCs or who write off significant depreciation that makes their taxable income look artificially low.
Use the refinance break-even calculator first to make sure the numbers work, then apply online — most refinances close in 2-4 weeks with no income documentation required.
Run the Numbers, Then Talk to Us
Use any calculator above to model your deal, then apply or call to get a real quote. No application fees, no tax return requirement, and closings in as fast as two weeks.
Have questions about which loan program fits your portfolio? Review our frequently asked questions or explore all residential rental property loan options.