The Loan Planner is the most complete of our calculators -- it turns a property's price, rent, and operating costs into the numbers that actually decide a non-recourse loan: loan amount, LTV, DSCR, monthly PITIA, cash to close, required reserves, and a five-year equity-and-cash-flow projection.

It uses the same 70% LTV / 1.25 DSCR baseline and current Treasury-indexed pricing our officers use, so the estimates you see are grounded in real guidelines rather than guesswork.

How it works

1. Enter the purchase price, down-payment %, and estimated monthly rent.
2. Add carrying costs -- taxes, insurance, HOA, closing %, and an expense allowance.
3. Pick a term (15 to 30 years) and the Treasury index that prices your rate.
4. Run the scenario to see your full deal, including a year-by-year projection.

Why it matters

Investment-property lending lives or dies on debt-service coverage and leverage, not on personal income. Modeling the deal before you commit shows whether the rent supports the payment at our 1.25 DSCR minimum and whether your down payment keeps you under 70% LTV.

It also shows how much cash you truly need at closing, including reserves, and the projection helps you see past year one -- how appreciation and rent growth build equity and cash flow over a hold.

How to read your result

DSCR is rent divided by PITIA; at or above 1.25 you are inside guideline, and below it is not a no -- it invites an exception or a larger down payment. LTV is your loan divided by price; staying at or under 70% keeps you in the standard lane.

Cash to close blends your down payment, closing costs, and points; six-month reserves are held separately. The projection assumes the appreciation and rent-growth rates you enter, so adjust them to stress-test. All figures are estimates, not a commitment to lend.

Keep going

Frequently asked questions

Estimates only -- not a commitment to lend; subject to full underwriting.