About Investor Loan Wire

Who it serves

Investors buying a rental, refinancing one they hold or adding a door to a portfolio. You already know how to judge a rental. What’s harder to see is how a lender sizes the loan, so each analysis shows that math on one deal.

How we write

Number first, then the work behind it.

Every analysis opens with a direct answer, then one worked deal. Terms are used the way lenders use them:

DSCR (debt service coverage ratio)

Monthly rent ÷ monthly PITIA in lender practice, or NOI ÷ annual debt service in the textbook form.

PITIA

Principal, interest, taxes, insurance and association dues: the full monthly payment.

NOI (net operating income)

Rent less operating costs, before the loan payment.

LTV (loan-to-value)

Loan ÷ property value.

Cap rate

NOI ÷ purchase price.

Rent-to-price

One month’s rent ÷ property value.

How a figure gets on the page

• Every assumption in a worked deal is stated and labeled as an assumption.
• The lines under each table show each step from the assumptions to the result.
• Each formula is traced to a primary source, such as HUD or the Fannie Mae Selling Guide, linked where it is used. Where lenders differ from the textbook formula, the analysis says so and runs both.
• A licensed loan officer checks the figures and the lending claims before publication. Name, title, NMLS number and the check date appear under “Checked by” at the end of the analysis, and the license can be looked up at NMLS Consumer Access.

The full process is in the editorial standards.

What is covered

• Tools: DSCR calculator, cash-out calculator, prepayment penalty calculator.

All three calculators use the same formulas as the worked deals: DSCR loan calculator, Cash-out calculator and Prepayment penalty calculator.

What is not here

No rates, APRs, payment quotes or approval odds, and no lender rankings. Those depend on the borrower, the property and the day. Calculator results are estimates from your own figures, not a quote, offer or credit decision.