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Rental property calculators

Three numbers investors check before an offer or a refinance: DSCR from rent and PITIA, cash out from value and LTV, and the prepayment penalty by exit year. Each shows every step and uses the same formulas as the worked deals in the analyses.

Calculators

  1. DSCR loan calculator

    Divide rent by the full monthly payment (PITIA) for your DSCR, and see what’s left before vacancy, repairs and management.

    DSCR = monthly rent ÷ monthly PITIA

  2. Cash-out calculator

    Value times your lender’s maximum LTV, less the payoff and closing costs: the cash a refinance could pay out.

    Cash out = value × max LTV − payoff − closing costs

  3. Prepayment penalty calculator

    What a step-down or flat prepayment penalty costs if you pay off the loan in each year, including your planned exit year.

    Exit cost = balance × that year’s penalty %